You're considering covering your terrace with a bioclimatic pergola because you like the adjustable louver system.

But you're wondering about insurance in case of damage or burglary. Is it mandatory to insure your bioclimatic pergola ? How to insure it and for what amount ?

To start, insuring your bioclimatic pergola is not legally required, but given the installation cost, it's crucial to insure it properly as repair costs for damages can quickly become expensive. Likewise, everything under the pergola can also be insured against theft.

To insure your pergola, the first step is to contact your insurer for an assessment of your contracts. Not all home insurance policies necessarily cover outdoor installations, and coverage levels can vary greatly. You may need to take out additional coverage.

The insurance offered will depend heavily on the installation of the pergola itself. If your pergola is attached to the house, your home insurance may cover it, but with an additional guarantee for proper coverage.

In the case of a freestanding pergola, you can insure it through garden insurance, but also with an extension of coverage dedicated to your pergola.

You can also request insurance specifically dedicated to outdoor installations, including pergolas, but also possibly pools, carports, awnings, garden sheds, etc., to ensure proper protection. In case of material damage after a storm, for example, repairs will be covered by your insurer.

Whatever your contract, make sure to carefully consider the indemnification ceiling and ensure that it is high enough to cover any necessary repairs. The amount will vary greatly depending on the dimensions and type of pergola and should be weighed against the total installation cost. For this, don't hesitate to ask your installer for advice on this matter and discuss it with your insurer.

But beware, to be properly compensated, your pergola must have been well maintained. Damage caused by negligence or lack of maintenance could result in a lack of compensation.