What is garden contents cover?

Garden contents cover makes sure that your outdoor space is protected from damage, theft or bad weather. As part of your home, it’s important to keep your outdoor items, such as garden furniture, trampolines, walls, patios and foliage safe. Even your ponds, rockeries and waterfalls are protected. Garden cover isn’t included in your home insurance policy, but you can add it on and make sure you’re protected.

What am I covered for?

What's included in garden contents cover?

Garden cover includes loss or damage:

  • Caused by storm or floods
  • Due to fire, smoke, explosions, lightning or earthquakes
  • From theft or attempted theft
  • Caused by riots, civil commotions, strikes, labour or political disturbances
  • Caused by subsidence, ground heave or landslip if your home is damaged at the same time

What's not included in garden contents cover?

Garden cover doesn’t include loss or damage:

  • To fences caused by storm damage, unless the property has been damaged at the same time
  • To valuables, money, business equipment or bicycles
  • To plants, trees and shrubs caused by storms or floods, collisions, falling trees or accidental damage
  • Caused gradually by wear and tear or over time

Interested? We hope so!

Get a quote in minutes for AXA home insurance with garden contents cover as an optional extra and get your home protected.


Already got a policy with us?

If you don’t have garden contents cover already, you can add it to your policy in your online AXA account. It’s simple to make changes to your home insurance policy whenever you want, just log in to get started.