Shed some light on your outbuildings’ insurance

Since the arrival of Covid, outbuildings, summer houses, and sheds have taken centre stage with many being repurposed from housing rusty trowels and redundant terracotta pots to becoming an additional and functional space.  Sheds have stepped into the limelight as they are renovated into home offices, childrens’ playrooms, home gyms or leisure-spaces for yoga, movies or hobbies.

Safety First

If your shed is now loaded with technology, be it a computer or home cinema equipment, what changes, if any, do you need to make to your home security and insurance? Or if your shed is being used as it was originally intended, as a shelter for your BBQ and lawnmower, what security measures can be put in place to make your items less attractive to thieves?


Having a strong padlock is essential to keeping your shed safe but be sure to pay attention to the hasp too. Many padlock hasps are affixed with screws which can be an easy hack for a potential burglar. Similarly, hinges on the outside of doors can also be unscrewed. Top tips include using longer screws which have nuts on the inside which can be superglued for extra safety.


Unfortunately, windows can be a weak point in the security of your outbuildings. Window locks can be a useful addition, along with blinds or curtains to obscure visibility from prying eyes. Of course, if your shed is purely used for storage, then you don’t need windows at all and you could block them out completely. You could strengthen the area by affixing a sheet of strong MDF on the inside of the window.

Heightened Security

Alarms, motion sensors and CCTV cameras can all be installed as a preventative measure to deter potential thieves. Wireless and battery-operated options are available if your outbuildings are not on mains electricity.

Extra Tips

Another way to make life harder for thieves is to chain expensive garden tools and equipment together within your shed. A bike lock looped through your chainsaw, lawnmower and leaf blower is a sure-fire way to slow down a thief! In addition to this you can mark your belongings with a UV pen* and register them online^ to aid the police when it comes to reuniting you with your belongings.


The most important thing is keeping your home insurer in the loop. Let us know if you have converted your shed or summer house into an extra living space. There may be a ‘single item limit’ of which you need to be aware.  Most outbuildings will fall under your existing buildings and contents insurance but it’s always worth giving us a call for peace of mind.

Direct line, no automated phone systems: 01823 250730


Lloyd & Whyte. What matters to you, matters to us


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Lloyd & Whyte Ltd are authorised and regulated by the Financial Conduct Authority. Registered in England No. 03686765.  Registered Office: Affinity House, Bindon Road, Taunton, Somerset, TA2 6AA. Calls may be recorded for use in quality management, training and customer support.