Summer is just around the corner, and many homeowners are eager to revitalise their gardens before hosting guests. However, before embarking on any DIY projects, it is crucial to be aware that certain additions could render your home insurance invalid.
Understanding the Risks
Households pay significant sums for insurance, so the last thing anyone wants is for that investment to go to waste. With approximately 70% of UK homes believed to be underinsured, failing to disclose garden features could increase the risk of reduced payouts or rejected claims.
Ian Wilson, home insurance expert at Tiger.co.uk, has identified five seemingly harmless garden features that could affect your policy. He stated: "Additions like kids' play equipment and storage units, or even quick DIY jobs, might feel like minor changes to a garden, but if they are not declared or installed properly, they could lead to complications when making a claim."
Permanent Structures and Outbuildings
Installing garden rooms or outbuildings such as outdoor offices and summer houses with heating or plumbing requires declaration to your insurer. These structures may not be covered if undeclared and can increase rebuilding costs or raise risks of fire and theft.
Sheds and Storage Units
Sheds and storage units can affect cover, especially when high-value items are stored inside. Insurers often impose strict limits and security requirements for outbuildings. Homeowners should read policy terms carefully, as some may demand that valuable items not be visible from windows.
Planting Trees
Planting new trees too close to buildings can cause issues over time, such as subsidence or foundation damage. This can affect home insurance and may lead to refused claims if the risk was not declared or properly managed.
Poor-Quality Garden Work
Carrying out poor-quality garden work that later causes problems can affect insurance. Badly installed decking, unstable patios, or poorly fitted electrical work may be considered unsafe or not in line with regulations, potentially invalidating a claim if it contributed to the damage.
Trampolines and Large Play Equipment
Trampolines and large outdoor play equipment, such as climbing frames, increase the risk of injury, especially to children, and create liability issues if someone is hurt on your property. Many insurers exclude them or apply strict conditions, including safety nets, soft landing surfaces, or secure anchoring, for cover to remain valid.
Wilson added: "That is why it is so important for homeowners to keep their insurer informed of any upgrades and ensure all work is carried out to a high standard."
