Assigning a dollar-and-cents value to your garden, its features and the tools you use to keep it in good shape might seem like a tricky job. But when you do the maths, you'll probably find that – between outdoor furniture, paved areas, power tools, treasured plants and prized gnome collections – that value is higher than you'd think. So it's worth figuring out whether your insurance policy is giving you the garden-related coverage you need.
Garden insurance can financially protect the value of your garden from a variety of unexpected events like storms, thefts and vandalism. You can get cover as part of a home insurance policy.
Depending on what you want to have covered, there are a few options available.
Home and contents insurance.
A home and contents insurance policy is ideal if you want cover for your plant friends both in and outside of your home. The home/building part of the policy can cover the permanent fixtures of your garden like water features and your shed, while the contents part of the policy will cover things like your indoor pot plants and your gardening tools.
Home/building insurance.
A building insurance policy can cover things like gazebos, sheds, pergolas, water features and ponds. Pretty much anything that can't be easily removed from your property, these are known as permanent fixtures. Did you also know that flowers and trees that are planted into the soil can also be included in your building insurance policy?
Contents insurance.
A contents insurance policy is handy if you have a lot of high-value stuff outside of your home, think outdoor furniture, ride-on lawnmowers, leaf blowers and whipper snippers. Also, If you're an apartment dweller with a beloved collection of potted flowers, bonsai, succulents or herbs, you can sleep easy knowing your contents insurance will cover those precious plant friends.
| Response | |
|---|---|
| Yes | 45.73% |
| Somewhat | 40.52% |
| No | 13.75% |
We currently don't have that product, but here are others to consider:
How we picked theseWe crunch eligible home insurance products in Australia to see how they stack up. We rank over 50 products on 16 different features, including price. We end up with a single score out of 10 that helps you compare home insurance a bit faster. We assess home and contents, building only and contents only products individually.
Theft of tools, outdoor furniture and garden ornaments – and even plants – does happen from time to time. So does vandalism, storm damage, and damage from fire, floods, and falling trees and branches.
A well-thought-out insurance policy can give you peace of mind that in one of those unlucky scenarios, your garden-related valuables could be repaired or replaced. That's why you need it.
Most home insurance policies will cover your garden for the damages and losses caused by these main events:
Many of us pour a lot of time, care and sweat – not to mention cash – into our gardens. While garden insurance won't get rid of the angst of garden items being damaged or stolen, the financial compensation that allows you to repair or replace those items will ease the pain.
Our gardens are always there for us, so don't forget yours when you're setting up the right home insurance policy for you.
Start comparing garden insurance today
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A summary of how the provider compares to others in the market
HSBC’s home insurance is slightly cheaper than average, but still offers a strong range of benefits and generous limits.
Backed by insurance giant Allianz, IMB’s cover offers broad protection at a slightly-higher-than-average price point.
GMCU home insurance is backed by Allianz, which has a strong complaints record and solid benefits. However, premiums are also more expensive than average.
Australian Unity has a strong complaints record and competitive benefits, but it’s lacking in underinsurance protection which is a popular feature offered by many other brands.
Guild does have some market-leading benefits, but it was also one of the most expensive policies we compared. Read our full review.
Great Southern Bank offers a good range of benefits but it lacks underinsurance cover and premiums are quite expensive.
ALDI offers home, contents and landlords insurance. Its policies have thorough coverage with generous benefit limits.
Every bushfire season is different, but there has been a general movement upwards in the severity of the bushfire seasons that Australia experiences.
Allianz's Home & Contents insurance includes higher benefit limits than some other popular providers, but it can be lacking in optional extras.