Outbuildings Insurance

Why choose Howden for Outbuildings Insurance?

Howden is the new name for A-Plan. Here at Howden, we pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of standard and specialist home insurers, we make the process of comparing multiple insurance policies, on your behalf, simple and easy. What’s not to like?

As an insurance broker, we also know that each policy needs to be as individual as its owner and their property, and that’s why we provide a personalised, tailored service, focused on getting to know you and finding out exactly what you want from your outbuildings insurance.

Ultimately, whether you need to make a claim, purchase a new policy, or renew an existing one, just know that we’re here to help.

Benefits of working with us:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

How does Outbuildings Insurance work?

Outbuildings insurance is a type of coverage that specifically protects structures on your property that are separate from your main property itself. Here at Howden, we can help you cover sheds, detached garages sheds, detached garages, barns, or any other buildings that are not connected to your property. We don't provide separate cover for these types of properties, as we cover outbuildings within your main home policy.

However, your current home insurance policy may or may not cover all a property’s outbuildings, because it depends on the policy and nature of the outbuildings themselves. The following types of outbuildings may not be covered under a standard home insurance policy:

• Garage with flat roof.
• Any outbuildings other than sheds or small greenhouses that are of non-standard construction.
• Any outbuilding not used for domestic purposes.
• Any outbuilding with more than £500 of contents inside.
• Any outbuilding used as habitable accommodation.
• Polytunnels, swimming pools and tennis courts.
• The building is over your insurer’s maximum limit for outbuildings sum insured.
• It’s not in a good state of repair.

If your outbuildings do fall under one of the types listed above, then getting an outbuildings insurance policy could be vital to ensure it’s not left unprotected. Each insurer is different though, and it’s important that you check policy wordings and their definitions of ‘outbuildings’ so that you know what is and isn’t covered. We can assist with helping you navigate all the intricacies of various outbuildings policies before setting you up with a quote that works for you and your properties.