Home insurance expert warns 1 simple garden mistake could invalidate your policy

UK homeowners are being urged to take extra care this autumn, as insurance experts warn that a simple mistake in the garden could lead to claims being rejected. With just a week of summer left, many households are already facing the so-called "false autumn" phenomenon, where early leaf fall and unsettled weather bring seasonal risks sooner than expected.

But insurance specialists at the Alan Boswell Group warn many people overlook how autumn hazards can affect their home cover. One such example that can be an underestimated pitfall is leaving outdoor furniture and garden items unsecured.

As winds strengthen and rain intensifies, trampolines, patio chairs, barbecues, and even wheelie bins can be turned into dangerous projectiles.

Not only can this cause costly damage to a homeowner's property, but insurers may also argue negligence if items were not properly secured, leaving policyholders without a payout.

In cases where flying objects damage neighbouring homes, residents could even be held liable for third-party claims.

Heath Alexander-Bew, director at Alan Boswell Group, said: "Autumn brings its own set of risks, from blocked gutters to heating failures and increased burglary rates as evenings get darker.

"Insurers expect a reasonable level of care from homeowners, and failing to prepare for the season can leave you exposed if you need to make a claim. By carrying out regular inspections and reviewing your policy, you can ensure that your cover remains valid and your home protected as we head into the colder months."

He added that reading and understanding insurance documents is essential to avoid surprises when making a claim. "Checking your insurance regularly can help you avoid paying too much or having insufficient cover.

Even if you don't think changes are necessary, renewing your policy annually is good practice, especially after major life events that could affect your insurance needs," he said.

Experts recommend storing or securing outdoor items ahead of unsettled weather, using covers, anchor kits, or garages where possible.

Small steps now could prevent disputes with insurers and spare homeowners from expensive repair bills when the autumn storms arrive.