Outbuildings topics

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.

An outbuilding is any permanent structure on your property that is separate from your main home. These can serve various purposes, from storage and parking to leisure and hobbies. Common Types of Outbuildings Sheds: For storing garden tools and outdoor equipment Garages: To protect vehicles from weather and theft Workshops: Dedicated spaces for DIY projects and crafts Summerhouses / Greenhouses: For relaxation or plant cultivation Insurance Considerations When arranging home insurance, outbuildings are typically included in your policy. The level of cover depends on: The type and size of the structure Its construction and use The value of contents stored inside Ensuring you have the right coverage protects both the structure itself and the items you keep inside. Need More Information? For details on how outbuildings are covered under your policy and options for enhanced protection, visit our Outbuilding Home Insurance page.