--- title: Insurance for Timber Buildings in the Garden date: 2012-04-09T00:00:00+01:00 author: Marc Prior canonical_url: "https://www.assetsure.com/homes/home-insurance/insurance-for-timber-buildings-in-the-garden/" section: News --- Our Customers Love Us! Home Insurance [Trustpilot](https://uk.trustpilot.com/review/assetsure.com) ### Get a Quote [Get Quote](https://intasure.com/home-insurance/?introducer=59999022) [Home](/) › [Property Insurance](https://www.assetsure.com/homes/) › [Home Insurance](https://www.assetsure.com/homes/home-insurance/) › [Insurance for Timber Buildings in the Garden](https://www.assetsure.com/homes/home-insurance/insurance-for-timber-buildings-in-the-garden/) # Insurance for Timber Buildings in the Garden It must be my age, but I can’t tell you how exited I was at the end of last week as my new garden shed finally arrived. It was a kind of birthday present to myself, and after putting up with two rotten hulks of sheds for the last 10 years, I’m over the moon at having plenty of space and can now have a good sort out. My neighbour, who helped to erect the shed in return for Sunday lunch and a couple of beers, raised a valid point as we were finishing off. Another neighbour a few doors away had lit a bonfire and jokingly he said, I hope you have arranged insurance on this, as you may need it. Well it’s a good point actually, are sheds and outbuildings covered by a [home buildings insurance](https://www.assetsure.com/homes/home-insurance/) policy? In our area in the last few years, the number of people moving home has dropped and the number of improvements to existing buildings has increased. Just nosing over the gardens I have seen a number of super sheds be erected along with a number of home offices or studios. I know of least three people that are now running a business from their gardens, and of course, this does raise a question with regard to adequate insurance protection being in force. The main issue relates to the use of the outbuilding in question. If it’s just a shed like mine, then usually no further action is required, and the structure will be covered under your existing buildings policy A typical definition under a buildings insurance policy states “Any permanent structure used for domestic purposes within the grounds of your home including outbuildings”. I say no further action is required, but you should check your sum insured is adequate. My shed is a fairly modest affair, and I know that my sum insured is more than adequate not to need an uplift but having seen the prices of some of the structures at the garden centre, some people may need to discuss the matter with their insurers or broker. Now, when it comes to contents that may be a different matter. My sheds are filled up with nothing but gardening equipment, a couple of pedal cycles and the barbeque equipment. That said I do know some people who have veritable Aladdin’s caves in their gardens where over spill from the house lives (all those things you will never need or use again but can’t bear to throw away) Sometimes contents kept in outbuildings can run in to thousands of pounds and it is a good idea to check under your contents insurance policy to see if there are any restrictions with regard to items kept outside of the main building, particularly enquire if there are any additional security requirements. Turning now to timber buildings used in the garden for business purposes, these are a little trickier to insure and many home insurance providers do not like this type of risk, particularly if members of the public visit the premises or the timber building contains business contents such as computers etc. Working from home is becoming more popular, and timber offices for the garden are a popular choice for those that want to work at home but still be away from the main house. My advice if you do decided to buy a home office, check with your buildings insurance as to whether they will consider including a structure that is being used for business purposes: the same thing with your contents insurers, you may find that you need to take out a more specialised form of policy that will cover your contents used for business purposes and liabilities as well. ## Latest News & Advice [![Dealing with Woodworm and Dry Rot](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) ### [Dealing with Woodworm and Dry Rot](https://www.assetsure.com/homes/home-insurance/woodworm-dry-rot/) Woodworm, Dry Rot and Wet Rot. One of the most costly maintenance problems for homeowners is woodworm, dry rot and wet rot. If left untreated it can huge amounts of damage to the interior of your home. There are treatments and remedies to prevent it’s spread and to eliminate the problem it becomes critical. Woodworm is most commonly caused by the furniture beetle which leave larvae boreholes inside the major woodwork elements of a property. These area include the roof timbers, joists, staircase and floorboards. Woodworm can also infest ordinary household furniture causing a home insurance claim problem.... [![Types Door Window Locks](/assets/uploads/images/_800x405_crop_center-center_none/window-lock-news-banner.webp)](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) ### [Types Door Window Locks](https://www.assetsure.com/homes/home-insurance/types-door-window-locks/) Types of Door and Window Locks – when purchasing a home insurance policy, you may find that your insurance company want you to have certain security measures in force at your property. These should be studied most carefully as without the correct protection being in force, you may find your cover compromised in the event of a claim. For most people, this involves having good quality door and window locks. Good physical security at your property, will be of a far greater benefit in deterring Theft than having an alarm fitted, but not being a lock expert, have do you discover if you have the correct locks fitted at your home?... [![Subsidence Structural Problems](/assets/uploads/images/_800x405_crop_center-center_none/assetsure-banner-plain.jpg)](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) ### [Subsidence Structural Problems](https://www.assetsure.com/homes/home-insurance/subsidence-structural-problems/) Preventing or Dealing with Subsidence and Structural Problems.Whilst subsidence is usually covered by a building insurance policy, it is definitely something that you do not want to happen at your property if at all possible. Claims for subsidence can be on the large side ( hence the reason for the standard policy excess being £1000) and even if the building is repaired by the insurance company, you may find that’s in the future, insurance is harder to source ( and possibly more expensive) and the market value of the property and it’s marketability may also diminish... [More News](https://assetsure.com/news) ## Why choose our specialist insurance cover? ### Home Insurance from Assetsure Our Home Insurance can provide cover for your Buildings, Contents and Personal Effects. Monthly payments available ### Legal Assistance as Standard All our policies include Legal assistance as standard up to £50,000 This offer Legal protection for problems relating to employment, contracts, property and personal injury etc. ### Home Emergency as Standard All our policies cover Home Emergency as standard up to £500. this offers protection against unexpected events such as the failure of your main heating system, blockage of drains or failure of your domestic gas or electricity supply ### £1,000,000 Cover for Buildings We automatically provide you with £1,000,000 cover for rebuilding cost of your property, ideal if you are unsure of your re-building cost. ### Excellent service offered We like to offer all our customers a first class service, which is backed up by our Trust pilot ratings. We are open 6 days a week to assist you with your enquiries. ### Instant cover and policies Most of our policies you can now buy online and receive instant documentation. 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