Shed broken into?
Are Sheds and Outbuildings Covered? (UK)
Sheds are covered under UK buildings cover but with reduced perils. See what's included and check your sub-limit in 60 seconds.
Your policy is the only source of truth
Get a precise answer for your exact policy
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
The short answer
Outbuildings count as 'buildings' on most UK policies but are usually capped (commonly 10–20% of the buildings sum insured) and exclude subsidence. Contents inside are capped separately — often £2,500–£5,000 — and theft requires forced entry to a securely locked structure.
Frequently asked
- Are unsecured items in the garden covered?
- Furniture and BBQs are usually covered up to £500–£1,000 against theft, fire and storm only — not accidental damage.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.