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.