Plant Insurance

Plant Insurance

So you have a large backyard filled with beautiful tomatoes, green peppers, green beans, eggplant and other veggies as well as flowers such as daisies, orchids, roses, tulips, violets, lavender, and hydrangeas. You also have a separate section for all that basil you grew over the past few months.

You worked very hard for this garden and you will lose a lot if someone steals your crops or if a disaster ruins them. It is for this reason that you need plant insurance to cover your efforts in rebuilding the garden you lost. There are several insurance companies throughout the UK that offer plant insurance; you will need to compare their services and quotes before choosing a policy.

The Plants I Grow At Home

Plant insurance is something I have to protect certain plants that I grow at home and here are a few of those that I have grown with the use of grow lights. For example, inside the house in the basement I’m growing a few rows of  basil and rosemary and I use growing lights to help them grow in the best way possible. I started the indoor growing process by preparing my soil and putting it in a long rectangular container, then I  set up the grow lights to sit over the plants. When my plants were not yet mature I used blue tube lights but for the more developed plants I used the reddish orange lights.

What Should You Look For In A Plant Insurance Company?

You want to choose a plant insurance company that understands the different scenarios that could lead to damage to an entire garden and the representatives of the insurance company should also be able to offer affordable quotes. A plant insurance company that has a strong reputation and that has been around for a long time is also important when choosing a good plant insurance company.

Check Your Plant Insurance Policy Periodically

It is also important that you check your plant insurance policy occasionally even if your garden has not experienced any theft or damage because while most things in your garden are covered with this insurance, certain items may only be covered partially or not at all depending on your insurer. If you feel you need to obtain a different policy or inquire about items that the insurer does not cover, meet with your representative to discuss the matter.


When you obtain plant insurance for your outdoor and indoor plants you have using the high-quality grow lights, you have peace of mind knowing that you will have monetary coverage in the event of a disaster or theft. The insurance funds are helpful in purchasing the supplies needed to create a new garden and possibly pay for a gardener to do the job. When you receive insurance funds you should budget and make sure you spend the funds wisely. You also want to take photos of any damage from your garden when making a claim.