Insuring Your Garden - A Quick Guide
Because a garden can enhance the overall appearance of your home and provide a lot of possibilities when it comes to outdoor activities, many people decide that it is a good idea to insure it as well.
Depending on the space they have for the garden, some people decide to mount swimming pools, ping pong tables, barbecues, ornaments, plants, flowers or trees.
Either way, a garden can represent a significant investment of time, money and, more importantly, loving care.
This is why you need to protect it in case something happens.
In order to make sure that you have your garden covered, you should start making an inventory on the plants and equipment that you have there.
Measure the space of your garden or simply look it up on the property documents and ask for an insurance policy for that space and the garden contents.
If you already have an insurance policy for your entire property, then give your dealer a call and add the list of house or garden contents.
One of the things that you should look for in a garden insurance policy is that it can provide extended coverage and that it does not contain restrictions or limits.
This is important especially if you are a person that loves to redesign.
In addition, in case your garden is damaged completely, you want to make sure that you are allowed to re-landscape it with the money provided by the insurance policy.
In addition, you should also make sure that in case you cannot find the exact replica of an item that got damaged or was stolen from your garden, you get a full reimbursement.
If you have a beautiful large garden where you keep a lot of items, then you probably expect to have to pay a lot of cash for the insurance policy.
However, there are a couple of security measures that you can take in order to get some discounts on the insurance, like for example mounting a tall wall or yard, keeping your garden shed locked and using a lighting system with motion detection.
Your efforts to protect your assets will make your garden seem less of a liability for the insurance company and therefore you can benefit from various discounts.
Another way you can get a cheaper insurance policy for the garden is to bundle the house and garden insurance together.
However, do not forget to add the list of items you want to protect from inside the house and from the garden.
Depending on the space they have for the garden, some people decide to mount swimming pools, ping pong tables, barbecues, ornaments, plants, flowers or trees.
Either way, a garden can represent a significant investment of time, money and, more importantly, loving care.
This is why you need to protect it in case something happens.
In order to make sure that you have your garden covered, you should start making an inventory on the plants and equipment that you have there.
Measure the space of your garden or simply look it up on the property documents and ask for an insurance policy for that space and the garden contents.
If you already have an insurance policy for your entire property, then give your dealer a call and add the list of house or garden contents.
One of the things that you should look for in a garden insurance policy is that it can provide extended coverage and that it does not contain restrictions or limits.
This is important especially if you are a person that loves to redesign.
In addition, in case your garden is damaged completely, you want to make sure that you are allowed to re-landscape it with the money provided by the insurance policy.
In addition, you should also make sure that in case you cannot find the exact replica of an item that got damaged or was stolen from your garden, you get a full reimbursement.
If you have a beautiful large garden where you keep a lot of items, then you probably expect to have to pay a lot of cash for the insurance policy.
However, there are a couple of security measures that you can take in order to get some discounts on the insurance, like for example mounting a tall wall or yard, keeping your garden shed locked and using a lighting system with motion detection.
Your efforts to protect your assets will make your garden seem less of a liability for the insurance company and therefore you can benefit from various discounts.
Another way you can get a cheaper insurance policy for the garden is to bundle the house and garden insurance together.
However, do not forget to add the list of items you want to protect from inside the house and from the garden.
Source...