We class an outbuilding as any separate structure on a permanent base that’s used for domestic or clerical‑business purposes.
We don’t call it an outbuilding if it’s a caravan, treehouse, pop‑up gazebo or any structure without fixed foundations, or one used for commercial lettings. Tell us what you’ve built, and we’ll rate the real risk, not the label on the door.
Recent clients have insured spaces such as:
Your outbuildings enjoy the same core buildings cover as the house itself: fire, storm, flood, escape of water, subsidence and more, up to the buildings section maximum claim limit.
Contents stored inside (think bikes, tools or garden furniture) are included within your overall contents sum insured, with theft insured when there’s forcible and violent entry to the structure.
From day‑one ‘new‑for‑old’ settlement to flexible excesses and optional accidental‑damage upgrades, our policies flex with the way you use every square metre, keeping your shed shelves, garage projects and garden office tech safe and secure.
Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation
Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet
Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.
Most insurers consider an outbuilding to be any detached structure on a permanent base like sheds, detached garages, greenhouses, garden offices, studios, and annexes, used for domestic or home office purposes.
Temporary structures like pop-up gazebos, caravans, or treehouses typically aren’t covered unless permanently fixed.
Yes. We automatically include cover for permanent outbuildings within your buildings and contents policy. This protection matches the level of cover for your main home.
Buildings cover for all outbuildings is included up to £30,000 and contents stored inside are covered up to £5,000, shared across all outbuildings. If you need higher limits, you can list individual buildings for bespoke cover.
Yes, theft is covered when there’s forcible and violent entry into the structure. General contents inside are insured up to the stated limit within your overall policy.
If your outbuilding is used for clerical or home‑based business purposes without client access or stock, we’ll treat it like a domestic structure. However, if you see clients, store stock, or hold equipment, you’ll need to inform us at the time of obtaining your quote.
Yes. Common exclusions include:
Absolutely. Any additions like a shed, garden office, or improved outbuilding should be notified. Failure to do so may risk invalidating your cover, especially if it increases rebuild cost or security risk.
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If you’re currently insured with us, you’ll find the documents for your policy in MyAccount.
Making a claim has never been easier – just follow these three simple steps:
Find your insurer’s claims contact details in your policy document or Schedule. Always have your policy number to hand, as it helps your insurer’s claims team quickly identify you and assist you without delay.
Call your insurer’s claims team as soon as the incident occurs. Provide a brief description of what happened and, if applicable, notify the Police within seven days for incidents like theft or malicious damage.
If required, complete and return the claim form along with supporting documents (receipts, photos, etc.) within 30 days. This ensures a smooth, timely processing of your claim.
*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.
