Outside office/hobby room contents insurance

cookdominic

Like many I have built a home office/ hobby room in my garden but I am struggling to find someone who will insure the contents. My insurer and others I tried treat it as an outbuilding so the structure is covered, but the contents is limited to £3,000 cover. I can’t believe no one does insurance for garden room contents - can anyone please suggest someone they use?

Sandtree

What cover level do you need?

Most, as you say, cover outbuildings under their general contents insurance and its a case of choosing an insurer with an appropriate inner limit. Hiscox for example have a £10k limit

cookdominic

Sandtree said:

What cover level do you need?

Most, as you say, cover outbuildings under their general contents insurance and its a case of choosing an insurer with an appropriate inner limit. Hiscox for example have a £10k limit

since its a hobby room there will be more things in there than a simple pod - while theft doesnt bother me too much, fire  etc would and £3k wasnt enough cover. I'll look into Hiscox thanks

Sandtree

cookdominic said:

Sandtree said:

What cover level do you need?

Most, as you say, cover outbuildings under their general contents insurance and its a case of choosing an insurer with an appropriate inner limit. Hiscox for example have a £10k limit

since its a hobby room there will be more things in there than a simple pod - while theft doesnt bother me too much, fire  etc would and £3k wasnt enough cover. I'll look into Hiscox thanks

Hiscox Direct is a mid net worth policy and so very high levels of cover and premiums that reflect this, was just an easy example to call out. There are others more at the mass-affluent level that could offer something slightly lower in limits but more average pricing... all depends what level you need.