Make sure your home insurance covers garden thefts

While home insurance is often thought of as protection against any damage to one's home and the contents inside it, horticulture enthusiasts concerned about garden thefts occurring outside their home should check to see if such a theft is covered by their provider.

While home insurance is often thought of as protection against any damage to one's home and the contents inside it, horticulture enthusiasts concerned about garden thefts occurring outside their home should check to see if such a theft is covered by their provider.

According to a UK-based insurance agency, of the $4 billion $6.6 billion) spent on gardening supplies, approximately $400 million $662 million) is spent replacing stolen items. However most insurance plans either require extra coverage to cover garden thefts or only partially cover the stolen items.

While similar statistics have not yet made their way stateside, similar stats are quite possible as many crime statistics have seen a rise due to the recession.

In addition to checking that one's home insurance coverage will pay for any garden thefts, which likely occurred in the first month that a plant is in a garden before becoming fully rooted in the ground, gardeningtipsnideas.com also suggested some ways to prevent thieves from targeting your house' garden - and potentially lowering insurance rates in the process.

Aiming sensor lights or a "scarecrow sprinkler" at newer plants that will detect movement of anything around the plant could deter thieves, while tying plants to embedded stakes may keep them safe as well.

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Posted: August 21, 2009

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