Garden insurance

Take care of your plant friends and get garden insurance.

Cheap Homensurance

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

Product Online Discount Cheapest way to pay Outdoor Contents Accidental damage
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's premium for new combined Home & Contents policies purchased online.
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.
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.
Qantas Home and Contents Insurance
BonusFinder Award Finalist
Qantas Home Insurance logo
Annually
Optional
Our verdict: Earn up to 30,000 Qantas Points for joining by 2 April. Plus save 30% on your 1st year’s premium for purchasing a combined home and contents policy online. T&Cs apply.
Seniors Home Insurance logo
Annually
Up to $8,000
Our verdict: Get up to 20% off when you buy a combined home and contents policy. This includes a 10% discount for purchasing a combined policy and an additional 10% discount for valid Seniors Card holders. Terms, conditions, underwriting criteria and minimum premiums apply, which may reduce discount. Make sure your rebuild costs are accurate though – Australian Seniors don’t do underinsurance cover.
Huddle Home Insurance logo
Annually
$8,000
Our verdict: Save up to 10% on your policy in the first year.
Youi Home Insurance logo
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.
Real Home Insurance logo
Annually
$8,000
Real Home Insurance logo
Annually
$4,000
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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

Frequently asked questions

Picture: GettyImages

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Travel Insurance Expert

Jessica Prasida brings a decade of experience in the travel industry, including over four years as a travel agent and branch manager at STA Travel. She holds a Bachelor of Business and a Master of Marketing from the University of Technology, Sydney, as well as a Tier 1 General Insurance qualification that complies with ASIC guidelines. An avid traveller herself, Jessica combines her professional expertise with a passion for ensuring safe and enjoyable journeys for all travellers. Jessica was a Travel Insurance Publisher at Finder from 2019 to 2024. See full bio

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