Another of the perennial questions readers ask Shedworking is what to do about garden office insurance. Here's a recent view from the Guardian newspaper:
Lorna Whalley from the insurer Aviva says the structure falls within your buildings insurance, while everything inside comes under contents. However, she says insurers will typically limit the value of items they will cover.
“Contents limits for thefts from outbuildings are usually lower than the main home, so customers should be mindful if they use lots of tech items such as a laptop, tablet, phone etc to work in one,” she says.
Some policies include garden furniture as standard in contents cover, but if you have some pricey plants or equipment, you may need to add an extra element for outside.
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