Home insurance warning over garden objects

Keen gardeners may find themselves out of pocket if they have a home insurance policy which does not cover objects kept in the garden, one expert has warned.

Janet Connor, managing director of home insurance firm, RIAS, explained that Britons are now spending more than £4 billion on garden items such as furniture and ornaments yet often do little to protect them against theft or vandalism.

She said: Most home insurance policy holders don't realise that the garden and its contents may not be routinely protected by their existing cover in the event of theft, loss or damage, and it’s costing victims as much as £400 million per year to replace stolen property .

People should check their home insurance policy today and take out additional garden cover if needed, she added.

Yesterday, Sainsbury's Finance reported that the bad weather in March had led to thousands of home insurance claims .

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