What is the typical coverage limit for theft of garden equipment under a household insurance policy?

The typical coverage limit for theft of garden equipment under a household insurance policy is commonly found to be in the range of £500 to £2000. This coverage reflects the practical assessment of the average value of garden equipment that households may possess, including items like lawnmowers, garden tools, and decorative outdoor features.

Household insurance policies often include specific limits for different types of personal property, and garden equipment is often categorized in a way that does not warrant high coverage limits compared to items within the home or more valuable possessions. This allows for a balance in premiums and risk management for insurers.

It's important to understand that while some insurance policies may offer higher or lower limits, the range identified effectively covers a significant portion of standard garden equipment without leading to excessive premiums for policyholders.