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Garden insurance

Take care of your plant friends and get garden insurance.

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.

What is garden insurance?

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.

What garden insurance options do I have?

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.

Finder survey: Are Australians worried about the environment?

Response
Yes45.73%
Somewhat40.52%
No13.75%
Source: Finder survey by Pure Profile of 1113 Australians, December 2023

Get garden insurance by comparing home and contents insurance

Name Product Online Discount Cheapest way to pay Fire, Storm & Theft Damage Outdoor Contents Accidental Damage
Budget Direct Home & Contents Insurance
BonusFinder Award Finalist
Budget Direct Home & Contents Insurance
Annually
Optional
Our verdict: The most popular insurer on Finder, Budget Direct prioritises low-cost cover and gives you up to 30% off your first year for new combined policies purchased online. This is a big reason it won this year’s Finder Award for value.
Youi Building and Contents Insurance
Annually
Optional
Our verdict: Finder’s 2022 Insurer of the Year for Customer Satisfaction and our Top Pick for Fire Damage cover. It’s good if you want a tailored quote over the phone.
QBE Home & Contents Insurance
Annually
Optional
Our verdict: Finder's Top Pick for Floods plus cover for other common claims such as fire and theft). Its discount is better than most – 20% off your first year with a combined policy.
Honey Home & Contents Insurance
Monthly or Annually
5% of contents sum insured
Optional
Our verdict: Honey gives you $250 smart sensors to reduce accidents and estimates your rebuild costs for you. Honey was a finalist for the comprehensive category in this year’s Finder Awards.
Australia Post Home & Contents Insurance
Annually
Optional
Our verdict: Covers common claims such as fire, storms, floods and rain. It’s also very helpful if you need to rebuild following a disaster. It offers a special safeguard of up to 30%.
Kogan Home & Contents Insurance
Annually
Optional
Our verdict: Good comprehensive cover (issued by QBE). Also, get 16% off on your first year's premium when you purchase a new combined Home & Contents insurance policy online + $10 monthly credit. T&Cs apply.
Qantas Home and Contents Insurance
BonusFinder Award Finalist
Qantas Home and Contents Insurance
Annually
Optional
Our verdict: Earn up to 30,000 Qantas Points with every Qantas Home Insurance policy you take out by 28 May. T&Cs and exclusions apply.
Westpac Home and Contents Insurance
Monthly or Annually
$2,000
Optional
Our verdict: Provided by Allianz, one of the biggest insurers in Australia. Cover for fire, theft, storm, cyclones and more.
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Why do I need garden insurance?

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.

When is my garden covered?

Most home insurance policies will cover your garden for the damages and losses caused by these main events:

Be aware that whatever form of cover you take out on plants, trees and shrubs, the replacement or repair value will generally be capped at $2,000 total.

What doesn't home insurance cover?

  • If you take out a home insurance policy after the damage occurs
  • General wear and tear of your tools
  • Existing damage from the previous homeowner

Do you have a green thumb? Here's the bottom line.

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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Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

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