Will my shade sail be covered by my insurance? It’s a question we get asked a lot, so here’s our guide for understanding insurance and your shade sail. We know that deciphering your insurance policy can be difficult at the best of times and we’re here to help, but every insurance policy is different. It’s always best to talk to your provider for more detailed information about your policy.
Is a shade sail insured as part of the home or contents?
As far as insurance is concerned your shade sail isn’t a permanent part of your home. The NRMA will include fixtures as part of your home insurance, but they define a fixture as “any items that are permanently attached or fixed to the structure of your home that can’t be removed without causing damage to your home”. Most insurers have similar definitions which exclude the shade sail itself from the building and make it part of your contents. But if there is sail hardware attached to your home or garage, those fixtures could still be under your building policy.
Additional structures for your shade sail are generally covered by your home building insurance too. There can be exclusions though so check your policy for the different kinds of structures covered. Some insurers make it easy by specifically defining shade sails in their policy documents. For example, Budget Direct lists shade sails by name as part of their home building insurance.
When is the shade sail insured?
Once you know whether your shade sail is included in your home or contents insurance, or both, the hard part is over. If your insurer doesn’t list shade sails as part of any exclusions it generally means that your sail is insured in any event your policy covers. If your sail is covered by your building policy then those protections apply. For example, if the policy included impact cover and a tree falls and damages the sail you’ll be able to make a claim.
There are some exclusions if your sail is part of your contents. Some policies will refuse to cover any contents left outside. Even though shade sails are designed to be left out in the elements, damage to your sail wouldn’t be covered. Other policies may reduce the payout by as much as 80% for contents that are left outdoors. You don’t necessarily have to change insurance provider to get better protection for your shade sail, many companies have tiers of cover or optional extras that can increase your coverage.
What’s the right insurance for a shade sail?
There is no one-size-fits-all solution, your insurance needs are unique to you. If your shade sail and structure are covered under a building policy it will usually have broader protection. If it’s insured by both your home and contents policies, there can be unexpected exclusions you need to keep a lookout for. If you stay informed, you can make sure your policy is the best for your needs.
Remember we’ve only looked at general home and contents policies here. Specialised cover options are also worth considering, many insurers adjust policies to account for high-value or specialist items. Talk to your provider and you might be able to get an altered policy that better caters to you and your shade sail.
Insurance repairs and replacements with Newcastle Shade Sails
If your shade sail has hail, wind, storm or fire damage and is covered by your insurance policy we can help. Newcastle Shade Sails can provide an onsite insurance quote to replace your shade sail. Our local expert installers are committed to delivering insurance replacements for your shade sail quickly and within your budget.
Our superior quality shade sails are designed for the unpredictable coastal Australian weather. Made with hard-wearing fabric and marine-grade stainless steel fittings a custom made shade sail from Newcastle Shade Sails will stand the test of time.