Help Centre / Is my patio covered?

Is my patio covered?

If you have buildings insurance cover with Intelligent Insurance, your patio, walls, and fences are automatically included.

Here’s a breakdown of the coverage:

Permanent Fixtures Coverage

These are considered permanent fixtures and are covered under your buildings insurance. Enjoy peace of mind knowing that damages to these essential elements of your property are included in your policy.

Contents in the Open Coverage

Items that can be moved around, such as garden furniture or plant pots, fall under the category of contents in the open. The coverage for these items can vary by underwriter, with protection extending up to £1,000.


Understanding the distinction between permanent fixtures and contents in the open ensures that your coverage aligns with the specific components of your property. Intelligent Insurance provides comprehensive solutions to safeguard both your property’s structure and its movable contents in outdoor spaces.

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