Having a shed or garden room adds great utility and value to your property. These structures often house valuable tools, equipment, and sometimes serve as an extension of your living space. With the increasing trend of utilising garden rooms as home offices, gyms, or hobby spaces, one pertinent question arises: Do I need to insure my shed or garden room?

In this comprehensive guide, we break down the importance of insuring these outdoor structures, the types of insurance available, and key considerations to help you make an informed decision.

Why Insure Your Shed or Garden Room?

Protection Against Theft

Sheds and garden rooms can be an attractive target for thieves. Items stored within, such as lawnmowers, bicycles, garden tools, and even electronic equipment, represent significant value. Insuring your shed ensures that, in the event of theft, you are financially protected against the loss of these items.

Coverage for Damage

Weather conditions, accidents, and other unforeseen events can cause damage to sheds and garden rooms. High winds, storms, falling trees, or even a stray football can lead to repairs that may be costly. Insurance can cover these repair costs, alleviating financial strain.

Liability Coverage

If someone gets injured on your property, including in and around your shed or garden room, you could be held liable. Certain insurance policies include liability coverage, protecting you in case a guest, neighbour, or worker sustains an injury within the vicinity of these structures.

Types of Insurance for Sheds and Garden Rooms

Home Insurance

In many cases, sheds and garden rooms may be covered under the "outbuildings" section of a standard home insurance policy. However, the extent of coverage can vary widely. It is essential to check with your insurer to understand what is included and whether the coverage limit is adequate for the contents stored.

Contents Insurance

Contents insurance specifically covers items stored within your shed or garden room. This type of policy can protect against theft, fire, and other perils. Ensure you maintain an accurate inventory of valuable items and regularly update your insurer to adjust coverage limits as needed.

Specialist Shed and Garden Room Insurance

For more comprehensive protection, there are specialist insurance policies designed specifically for sheds and garden rooms. These policies often provide higher coverage limits and more extensive protection than standard home insurance.

Key Considerations When Insuring Your Shed or Garden Room

Assessing the Value

Begin by assessing the total value of your shed or garden room and its contents. This includes the cost of the structure itself and the value of tools, equipment, and other items stored within. Having an accurate valuation helps in selecting the right coverage amount.

Security Measures

Insurers may offer discounts or reduced premiums if your shed or garden room has robust security measures. These can include:

  • High-quality locks on doors and windows
  • Security lighting in the vicinity
  • Alarm systems
  • Security cameras
  • Secure anchoring of the structure

Policy Exclusions

Carefully review potential exclusions in your insurance policy. Some policies might not cover certain types of damage, such as flooding, or may have conditions related to the maintenance and upkeep of the structure.

Claim Limits and Excess

Understand the claim limits and excess (the amount you pay towards any claim) associated with your policy. Ensure the coverage limit is sufficient for your needs, and consider how much excess you are willing to pay in the event of a claim.

Steps to Insure Your Shed or Garden Room

  1. Evaluate Your Needs: Assess the value of your shed or garden room and its contents. Determine the type of coverage required based on potential risks.
  2. Obtain Quotes: Reach out to multiple insurers for quotes. Compare the coverage options, premiums, and policy terms to find the best fit.
  3. Review Policy Details: Carefully review the policy documents, paying attention to coverage limits, exclusions, and the claims process.
  4. Implement Security Measures: Enhance the security of your shed or garden room to potentially lower premiums and increase the likelihood of a successful claim.
  5. Keep an Inventory: Maintain a detailed inventory of valuable items stored within your shed or garden room. Update this list regularly and inform your insurer of any significant changes.
  6. Purchase the Policy: Once you have selected the appropriate policy, proceed with the purchase. Ensure you receive all necessary documentation and understand how to file a claim if needed.


Insuring your shed or garden room is a wise decision to protect against theft, damage, and liability. While these structures add convenience and value to your property, they also represent a financial investment that deserves adequate protection. By evaluating your needs, understanding available insurance options, and implementing robust security measures, you can ensure peace of mind and safeguard your outdoor assets.

For tailored advice and comprehensive coverage options, consider reaching out to reputable insurers and exploring specialist policies designed for sheds and garden rooms. Making an informed choice today can save you from potential financial setbacks in the future.