Contents insurance policies will often include a certain level of cover for possessions and items that are kept in the garden and/or garden shed but this is a factor that many people disregard or are unaware of when choosing a contents insurance company.

The garden is, for many people, a sanctuary of peace and quiet or a hobby but some forget about the value of garden contents when taking out cheap contents insurance and thus when/if the worst does happen they are left either completely uninsured or inadequately covered.

So here are a few garden related things to look out for when buying contents cover:

• Does the policy include any provision for contents in the garden?
• If yes, how much is the cover? Do you need extra protection?
• Are the contents of the garden shed protected? Does the shed have to be locked for this to take effect?
• What does the policy cover - theft, damage from the weather, vandalism, accidental damage?
• Will they, if required, replace a shed or greenhouse?
• Are contents in a garage covered?

So when you next come to renew your home insurance policy check to see what provision, if any, there is for garden furniture, equipment or structures.