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Garden Insurance in Ontario

Leave your worries behind with the proper coverage for your garden.
  • Protect your plants, lawn, decorations and much more
  • Know you're adequately protecting your garden tools including shovels and rakes
  • Customize your garden insurance to fit your specific needs
Complete the form or call 1-800-463-8074 to speak with a licensed broker about Garden Insurance today.

Flourish With Ontario Garden Insurance

Gardening can be a gratifying hobby. Whether you're growing your own vegetables to keep your family healthy for a rock-bottom price, creating a beautiful flower bed that gets people to take a second look, or just helping the tree that you planted grow from a little sapling into something large enough for birds and squirrels to call home, it's certainly an activity where you can see your progress. It's a hobby that can literally bear fruit if you do it properly. However, there are plenty of things that could go wrong.

Many gardening-related items, including your tools and even the plants themselves, are often targets for thieves. The detached structure where you store all of this equipment is often exposed to the elements and may experience harsh damage. Many of your most prized plants can only be planted during certain times of the year if you want them to grow and bloom properly. Trees may seem sturdy, but they often have to fight off foes like diseases that damage them from the inside, animals and insects that stop at nothing to devour them, and their most dangerous enemy: gravity. Luckily, adding Ontario garden insurance to your home insurance plan can help you.

What Is Ontario Garden Insurance?

Ontario garden insurance is a level of financial protection that can be added to your home insurance policy to protect you from the risks that threaten your garden and anything around it or used to maintain it. You might think such a thing is unlikely, but people will do anything to acquire something they can either use for themselves or make a quick buck selling. There's also a lot more that could get damaged or stolen than you might think. For example, someone might dig up some of your plants at night or swipe the potted plants you leave right by your doorstep. Decorative items like gnomes, a garden cover, and gardening tools such as trowels and rakes are also often seen as easy targets by those who think they can get away with a small crime. Fences, walls, and other objects you use to protect your garden could be damaged by vandals or people who get joy from damaging other people's stuff. Although you're probably doing all you can to prevent the theft of tools, materials and equipment, something could still go wrong. Having garden insurance added to your home insurance policy will give you the peace of mind that even if such an event is to occur, you will be financially covered.

If any event like this occurs, Ontario garden insurance will provide you with the financial compensation you deserve. This will allow you to recover from the incident and continue to enjoy this fascinating outdoor hobby. If you have any questions about garden insurance, be sure to speak to your Morison Insurance broker, and they will be happy to answer them for you.

Who Needs Garden Insurance In Ontario?

Anyone who has a garden or takes a lot of pride in their backyard could use the protection gained by adding garden insurance to their home insurance policy. You might think your garden is so small since it has only a handful of flowers or a few vegetables. Maybe you don't even have a garden. Although this is an understandable belief, garden insurance covers more than just the garden itself. Many items can be placed in a garden or even just the area a garden would be in that garden insurance can cover. This includes items such as gnomes, fountains, lights, birdfeeders and many others. Your garden insurance policy would also cover these items. 

Items in the area of your garden also often fall under the protection of garden insurance. This could include objects such as lawn chairs and other garden furniture, toys for your children, like trampolines, and permanent fixtures such as gazebos and garden ponds. 

Does My Home Insurance Cover My Garden? 

It depends. Home insurance can be very complicated, and there are many different levels of coverage. Furthermore, different insurance companies will cover different things by default; others will offer these additional protections as optional coverages. Sometimes, your home insurance coverage will indeed include coverage for your garden. Sometimes, it must be covered as part of your contents insurance. It’s possible certain parts of your garden or yard will be covered while others won't. If you are wondering if your current home insurance plan covers your garden or would like to adjust your plan or get a garden insurance quote, we recommend that you speak to your Morison Insurance broker.

What Kind Of Garden Insurance Coverages Are Included In My Homeowner's Policy?

Garden insurance can cover a wide variety of your garden-related tools and possessions, some of which may surprise some people. The items that are covered will depend on the type of insurance policy you have. Some examples of what could be covered are listed below:

  • Long-lived plants, such as trees or shrubs
  • Lawn
  • Decorations such as garden gnomes
  • Tools such as shovels and rakes
  • Storage areas
  • Potted plants
  • Motorized equipment such as a lawnmower or rototiller
  • Outdoor furniture
  • Barbeque
  • Fences and gates
  • Items stored in your shed or garage

However, not all of these items are included by default. If you want to know which items your homeowner's policy covers, want to add additional coverage or want a gardening insurance quote, your Morison Insurance broker will gladly assist you.

Does Garden Insurance Cover My Gardening Equipment? 

It depends. Gardening equipment itself is usually covered by contents insurance, which is often included as part of your home insurance plan. Just like the name implies, contents insurance is a type of insurance that covers your personal property, as well as the contents of each detached structure in your home. This means a plan properly addressing garden insurance would include your gardening equipment. Some house insurance plans include contents insurance by default, while others would require it to be added on. There could also be special limits for certain items, and you would need to add additional limits. There are also restrictions or coverage limitations for items such as garden tractors due to the type and horsepower. 

Regardless of whether your plan includes your gardening equipment by default, it is recommended that you include anything that you would like to have insured as part of your home inventory list so that everything is documented correctly. You can quickly recover the cost of your damaged or stolen items.

If you would like to know whether your current plan includes your gardening equipment or if you would like to receive a gardening insurance quote, it is recommended that you speak with your Morison Insurance broker.

Does Garden Insurance Cover My Shed?

In some instances, it does. Outbuildings, such as a shed or detached garage, are usually included as part of outbuilding insurance coverage, which is an aspect of your home insurance package. Whether or not yours will be included depends on the level of coverage you choose, your insurance provider, and what type of coverage you choose to prioritize. However, each home insurance policy is different, and even those that do not protect storage places can have additional coverage on their plan to include these structures.

To know if your current home insurance plan includes these garden insurance coverage options or if you would like to receive a garden insurance quote, it is best that you speak with your Morison Insurance broker.

What Types of Garden Insurance Coverages are Excluded From My Homeowners Policy?

Some aspects of garden insurance are not covered by your home insurance policy, regardless of how much protection you gain. Items or coverages that are not part of your garden insurance policy include the following:

  • Anything intentionally damaged by the policyholder.
  • Anything that was damaged due to wear and tear over time or broke due to poor maintenance from the owner.
  • Any item not disclosed to your insurance company.

Please note that this is not a complete list of exempt items. Depending on the specifics of your coverage, certain weather events may also not be covered as a possible cause. Policy wording is always very important, and if you would like to know more about the coverage limit within your current plan or would like a garden insurance quote, your Morison Insurance broker would be happy to help you.

How Much Does Gardening Insurance Cost?

It is understandable to want to know the price of adding garden insurance to your home insurance policy. However, it does not have a set cost. This is due to the wide range of factors involved in providing this type of coverage. A list of possible things that could impact your garden insurance rates includes the following:

  • Limit of coverage you desire
  • The amount of your deductible on your home insurance
  • The insurance company that is providing your coverage
  • The type of plants you are insuring
  • Which equipment you would like to insure
  • Any detached outbuilding you would like to insure
  • Your location
  • Any additional risks associated with your property
  • Your claims history
  • The amount of care and risk management you give to your garden

Please note, however, that this is not a complete list of factors. There are many other ways that your rates might go up or down. If you would like to know more about the factors that impact the cost of your insurance, how you could lower your insurance rates or would like a garden insurance quote, it is best to speak with your Morison Insurance broker.

Where Can I Get A Garden Insurance Quote in Ontario?

You can get a garden insurance quote from Morison Insurance. Morison Insurance is a 5-star brokerage that can provide coverage to all of Ontario. With over 100 years of family tradition of providing top-notch care for our clients, we are ready to provide you with the garden insurance coverage you deserve. Fill out the form on this page or call us at 1-800-463-8074 for a free quote and enjoy peace of mind today.


This content is written by our Morison Insurance team. It is provided for general information only. Insurance needs differ from person to person, and this article is therefore not a substitute for professional advice about your individual insurance needs which can be obtained by speaking to one of our brokers.

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