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Aluminium Pergola with Tub and High Table

Are aluminium pergolas covered by insurance?

You’re thinking about purchasing a stunning new pergola to elevate your outdoor living space.

But with such a big investment, you may be wondering about product warranty and insurance – what’s included, to what extent, and do I need extra insurance?

When it comes to protecting your outdoor investments, such as an aluminium pergola, it's important to understand the extent of coverage provided by your home insurance. By exploring all options available to protect your investment, you can create a stunning outdoor oasis that enhances both the aesthetic appeal and functionality of your home, whilst having peace of mind that your investment is protected.

Aluminium Pergola Black with Sofa Set

Is your pergola covered by your home insurance?

Some policies may automatically include coverage for outdoor structures like pergolas, while others may require you to specifically add them as an additional item. It's always a good idea to contact your insurance provider directly to clarify the details of your coverage.

But whilst every insurance policy is different, most standard home insurance policies do offer some level of coverage for outdoor structures like pergolas! Good news!

However, levels of coverage may vary depending on the specific terms and conditions, so you’ll definitely want to review your policy documents or speak directly with your insurance provider to get a full understanding, checking for any clauses or provisions that mention detached structures or outdoor installations.


Tip: Some insurance policies may consider a pergola as a "dwelling extension" and provide coverage under its additional structures section – so make sure you check there too!


It's important to note that even if your home insurance covers the cost of repairs or replacement for a damaged or destroyed pergola, there might still be limitations and exclusions in place. For instance, certain events like natural disasters (e.g., hurricanes or earthquakes) might not be covered under a standard policy unless you have specifically opted for additional coverage – however if you’re like us and based in the UK, this won’t be something to worry about!

It's also advised that to prevent any issues down the line, you inform your provider of the presence of a pergola on your property at the time of installation. They can then provide you with specific details about what is covered and what isn't under your policy.

By understanding the scope of protection offered by your home insurance, you can take appropriate measures to safeguard your aluminium pergola investment effectively, long-after your warranty has expired.

Aluminium Pergola Black With Tub

To summarise, we’ve made a quick and easy checklist for you:

  1. Review your policy for coverage of outdoor structures like pergolas - Note that coverage terms may vary; some policies classify pergolas as "dwelling extensions."
  2. Be aware of limitations, especially regarding natural disasters, which may require additional coverage.
  3. Inform your insurance provider about your pergola to prevent claims issues.
  4. Contact your insurer for specific coverage details and adjustments.
  5. Gather documentation on your pergola's specifications and expenses - this includes receipts for the purchase of the pergola itself as well as any professional installation services required.
  6. Maintain and repair your pergola according to manufacturer guidelines.
  7. Consider optional coverage add-ons for outdoor structures.

By taking these steps into account – reviewing policy terms, keeping thorough documentation, performing regular maintenance checks – you can greatly increase the chances of having your aluminium pergola covered by insurance should an unfortunate event occur, and you hadn’t previously checked that you had policy coverage! 

Aluminium Pergola With Dining Table

What does your product warranty cover?

We’re taking about home insurance, but obviously your aluminium pergola has product warranty cover too!

To help you make an informed purchasing decision you’re comfortable with, it's important to understand what your product warranty covers.

The warranty is essentially a promise from the manufacturer or seller that they stand behind the quality and durability of the pergola.

Typically, an aluminium pergola warranty will cover any defects in materials or workmanship. This means that if you notice any issues with the structure itself, such as loose joints or faulty components, the warranty should provide coverage for repairs or replacement.

Additionally, some warranties may offer protection against fading, peeling, or chipping of the paint finish. This is particularly important if your pergola is exposed to harsh weather conditions like intense sunlight or heavy rainfall.

It's worth noting that warranties can vary between different manufacturers and suppliers. Some may offer more comprehensive coverage while others might have more limitations and exclusions.

Therefore, it's crucial to carefully read and understand the terms and conditions of your specific product warranty. In some cases, you may be required to register your aluminium pergola with the manufacturer within a certain timeframe in order for the warranty to be valid – so make sure check!

It's recommended to keep all documentation related to your purchase, including receipts and warranty information. If you encounter any issues with your aluminium pergola that fall within the scope of your warranty coverage, reach out to the manufacturer or supplier promptly, who can guide you through their specific process for filing a claim and getting any necessary repairs done.

Remember that while a product warranty can be helpful in certain situations, it doesn't necessarily cover damage caused by accidents or natural disasters like storms or fires – bringing us back to the start of the article and considering home insurance cover too.

By understanding what your product warranty covers for your aluminium pergola, you can ensure peace of mind knowing you have recourse if any defects arise during its lifespan.

Aluminium Pergola with Tub and Hight Table


With proper care and attention, an aluminium pergola can provide a beautiful outdoor space for relaxation and entertainment while adding value to your home. So don't let insurance limitations deter you from considering an aluminium pergola.

Providing you have a good product warranty, and after careful review of your home insurance policy are comfortable with the existing cover or have taken action to ensure additional coverage you can enjoy your new purchase without concern!

Remember: regular maintenance, proper installation, and following manufacturer guidelines can help prolong the lifespan of your pergola and minimise the risk of damage. While insurance coverage for aluminium pergolas may vary depending on individual policies, there are always ways to safeguard your investment and enjoy its many benefits!

Aluminium Pergola with Sofa Set and Fire Pit

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Passionate about helping people create spaces they enjoy, with the people they love. Incredibly knowledgeable on all things aluminium pergola. Loves spending time in her garden with her husband, her pup Ronald and a glass of wine!

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