Home & Garden Room Insurance

We are pleased to offer home with garden room or garden office insurance under one policy, within a home buildings and contents insurance. Under our policy you can increase the contents limit to £15,000. 

Extended Cover for Contents kept in additional ‘garden buildings’ being used for ‘Working From Home’ Purposes, purely pleasure, or a mixture of both:
Where the policyholder wishes to insure a detached cabin style building in the garden that:
has been built on proper concrete foundations and is being used for ‘working from home’ style practices.
Acceptable with cover for the building and the contents within it, subject to:
In respect of buildings cover:
• Uplift of the overall building sum insured to include the rebuilding cost of the additional building;
In respect of contents cover:
• Uplift of the overall contents sum insured to include the contents kept in the building, up to a maximum contents sum insured of £15,000;
• The policy endorsement EMHMIS09* Extended Cover for Detached Garden Building(s), detailed below, would be included.

Providing home insurance, established 1970.

*EMHMIS09 Extended Cover for Detached Garden Building(s).
It is noted that the building sum insured within your schedule includes the detached ‘cabin-style’ building within the insured premises that is being used for domestic and/or business purposes by you, details as already disclosed and to us.
In respect of the above building only, the following exclusions are deemed to be of no effect:
• Section Two – Contents Peril 6. ‘theft or attempted theft’ Exclusion b), and
• Section Two – Contents Part b) Optional Accidental Damage Exclusion c).
Any claims in respect of theft or attempted theft of contents are subject to an excess of £500 in addition to any voluntary excess that is shown within the schedule.