Protecting Your Garden: Are Sheds Covered by Home Insurance?

It’s easy to overlook how valuable your garden really is. Between the lawnmower, tools, furniture, and that new bike tucked away in the shed, the total value might surprise you. In fact, Allianz handled nearly £200,000 worth of garden-related insurance claims in 2024, including one single claim of more than £14,000 from a garden theft.

While most people focus on protecting the home itself, the garden and everything in it deserve attention too. Many homeowners assume their outdoor space is automatically covered, but that’s not always the case. Here’s what you need to know about how home insurance usually applies to sheds, along with some simple ways to keep your own shed safe and secure.

Does home insurance cover your shed?

In many cases, home insurance policies include some level of cover for sheds and outbuildings, although the amount can vary between providers.

Generally, buildings insurance protects the structure itself (such as your shed, greenhouse, or garage) against things like fire, vandalism, storm, or flood damage. Contents insurance usually covers what’s inside, such as tools, lawnmowers, or bicycles.

However, the level of protection isn’t always the same. Some insurers offer a small amount of cover for shed contents, while others include more generous limits. It’s worth taking a look at your policy documents so you understand what applies to your situation.

If you’ve turned your shed into an office or hobby space, it’s also worth checking if this affects your cover, especially if you keep expensive equipment inside.

How can I protect my shed?

Even with insurance in place, prevention is always better. A secure shed helps keep your belongings safe and may also make any future claims smoother.

To keep your shed secure, start by using a heavy-duty, weatherproof padlock that’s difficult to cut through. Keep valuables out of sight by locking tools and bikes inside a sturdy storage box, and consider adding motion sensor lighting or cameras to deter thieves. Reinforce any shed windows with security film or wire mesh to make break-ins harder, and regularly check for signs of damp, decay, or damage that could weaken its structure.

At Eden Shed, all of our sheds are built to be strong, long-lasting, and weather-resistant, giving you a solid base for security before you even add locks or alarms.

Why do I need shed and outbuilding insurance?

Sheds are often separate from the main house, which can make them more vulnerable to theft or bad weather. While most home insurance policies include some protection for outbuildings, the value of your shed’s contents can quickly exceed standard limits.

Think about what you store inside, such as power tools, gardening equipment, bikes, or outdoor furniture, and make sure your policy gives you enough cover. If not, it might be worth asking your insurer about options for increasing it.

A strong, well-made shed also helps prevent damage in the first place. Quality materials, proper installation, and regular upkeep all make a big difference in keeping your belongings safe for years to come.

Special provisions for expensive items

Some items kept in sheds and outbuildings can fall outside normal policy limits. For example, bicycles may need to be listed individually, business equipment isn’t always included under standard home cover, and valuable collections or instruments are often excluded altogether.

If you have high-value or sentimental items in your shed, it’s worth checking how they’re covered. Knowing what your policy includes helps you decide if any extra protection is needed.

How to protect my garden from theft: Keeping your shed secure

Your garden is part of your home, and taking a few simple steps can make a big difference. Keep fences, gates, and paths well-lit to discourage intruders. Mark valuables with a UV pen or postcode engraving so they can be traced if stolen. Anchor heavy items like furniture or BBQs to stop them being moved easily, and store bikes indoors overnight whenever possible.

It’s also helpful to stay connected with your neighbours. A friendly, watchful community is one of the best ways to prevent opportunistic thefts.

Getting a quote

If you’re reviewing your home insurance, it can help to ask how garden buildings and their contents are covered. Every provider is different, and understanding your policy helps you make informed choices about the level of protection you want.

At Eden Shed, we focus on helping you make the most of your outdoor space. Our sheds are built with reliable materials, secure construction, and plenty of optional features to suit every purpose, from storage to studios and workshops.

Whether you’re replacing an old shed or buying your first one, choosing a well-built model is the first step in keeping your belongings safe and your garden looking its best.

In conclusion, most home insurance policies include some level of cover for garden sheds and outbuildings, although the details depend on your provider. Buildings insurance usually protects the structure itself, while contents insurance covers what’s inside, such as tools, bikes, or furniture. Checking your policy, being aware of limits, and keeping your shed secure are all easy ways to stay protected.

Your shed is more than just storage; it’s a valuable part of your home and lifestyle. Whether you use it for hobbies, work, or everyday organisation, it deserves a sturdy and reliable design. If you’re ready to upgrade or replace your shed, explore Eden Shed’s handcrafted range, built for strength, style, and peace of mind in every season.