Question
What is the excess on a garden shed?
The excess that applies to a garden shed is on the schedule, set per section rather than per claim, and it is taken off what is paid rather than asked for up front.
A shed is insured as an outbuilding, and what is inside it is insured under a different amount from what is inside the house.
The lock on a shed decides more than the shed does. The conditions ask what kind it is before they ask what was in there.