Help Centre / Are my outbuildings covered?

Are my outbuildings covered?

Yes, most outbuildings are automatically included in your home insurance policy.

  • Standard Coverage: Up to £30,000 per outbuilding is typically covered.
  • Older Policies: If your policy started before 01/12/2018, coverage is limited to £10,000 per outbuilding.

Optional Extra Cover

Need more protection? You can extend your buildings insurance to increase the cover limit and match the value or usage of your outbuildings.

Information We’ll Ask For

When you get a quote, we’ll need details such as:

  • Type of outbuilding (e.g., shed, garage, garden office)
  • Construction materials
  • How it’s used

What Counts as an Outbuilding?

An outbuilding is any structure separate from your main home, used for domestic purposes. It does not include:

  • Structures open on one or more sides
  • Buildings without a permanent foundation
  • Treehouses, inflatable, or non-rigid structures

Need Dedicated Cover?

If you’re looking for home insurance that provides extra protection for outbuildings, see our Outbuilding Home Insurance page for full details.

Speak to our team

The quickest way to reach us is via online chat. No robots, only real people. Our friendly team are available to help you five days a week.

Opening Hours
  • Monday-Thursday
    9am-6pm
  • Friday
    9am-5pm
  • Saturday
    Closed
  • Sunday
    Closed
  • Bank Holidays
    Closed