Why you need to be covered

If you take a look at your current household buildings and contents insurance policy, you may well find that the contents of your garden, such as what you plant in the garden, tools, equipment, furniture and garden ornaments have only very limited cover.

Most household insurance policies only cover outdoor possessions up to the value of £500. If you consider that, as a keen gardener, you are likely to have spent well over that on your garden, the chances are that you will be under-insured in the event of theft, malicious damage, storm or other types of loss.

With over one and half million burglaries from gardens, sheds and other outdoor buildings every year, according to recent figures from the Home Office, you can be sure that you are adequately covered with RHS Home & Garden Insurance.

Theft
More and more, gardens are becoming the target for opportunist thieves as well as for more organised criminals, all of whom have recognised the potential rich pickings from gardens of all sizes. There have been reported cases of losses of potted trees and plants to sheds and their entire contents. Thieves recognise too how much easier it is to steal from gardens than houses, given their easy accessibility.

Damage
The damage that can be caused by fallen trees and branches could run into hundreds of pounds when replacing plants, ornaments and garden furniture. Most policies will cover only a fraction of such costs.

That is why RHS Home & Garden Insurance has been launched in association with the Royal Horticultural Society. What is so special about RHS Home & Garden Insurance is that cover is granted automatically for gardens and contents in the open, delivering comprehensive cover not only for your home and its contents but also for all those things you value in the garden