Take photos and videos
Document the damage to the building.
For example, a broken lock if your garage was burgled, or the affected area if your garage was flooded.
Garage insurance
Get cover for your garage
with home insurance
What is garage insurance?
Garage insurance is a type of insurance that protects your garage building and its contents. It can cover things like:
Fire damage
Flood damage
Theft and vandalism
Damage caused by storms
Emergency repairs – for example, a broken lock or burst pipe
💡Top tip: Your garage may be covered by your home insurance policy. But sometimes – especially if your garage isn’t attached to your home – it requires a separate policy.
What does garage insurance cover?
The level of cover will depend on your garage and the specifics of your policy.
Most garage insurance will cover the structure and its contents against risks like theft, fire, and storms, but excludes wear and tear or unsecured premises.
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Covered
Theft, burglary and vandalism
Your contents will be insured against theft, while your building will be covered for vandalism or damage resulting from the break-inFire damage
Your garage building and its contents will be covered against any damaged caused by a fireStorms, flooding, and escape of water
If there is a storm that causes a flood, or any burst pipes that lead to escape water, you’ll be insured against resulting damageNatural disasters
Your garage will be insured in the event of any other insured events specified on your policy
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Not covered
Unlocked garages
If you leave your garage unlocked this will void your cover for theft, burglary, and vandalismAccidental damage
Accidental damage is rarely included as standard, and even if it is included, you should check whether it provides the same amount of cover as it does for your main homeWear and tear
Wear and tear is almost never covered by insurance, so it’ll pay in the long term to stay on top of regular maintenance and upkeepExpensive items
Most policies will have a single item limit (meaning that you can’t claim above a certain amount for a single item), which expensive items like bikes and some tools may exceed
Your vehicle and its contents
Cars, vans, and motorbikes parked in your garage won’t be covered – you’ll need separate insurance for your vehicle and any possessions kept inside
Do I need a separate policy for my garage?
An attached garage may be covered by a home insurance policy that covers your building and contents.
If your garage is detached, however, you may require an add-on or even a separate policy to provide adequate cover.
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You may need a separate policy or add-on if:
✔ Your garage is detached from your home, but on your property grounds (classed as an outbuilding)
✔ Your garage is located away from your home
✔ Your garage is used for business purposes (you may require a separate commercial policy)
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Your garage will be included in home insurance if:
✔ Your garage is attached to your home
✔ Your policy documents state that non-attached outbuildings are covered by your home insurance
Do I need buildings insurance for my garage?
You generally do need buildings insurance for your garage, but whether it’s already covered depends on the garage’s location and your policy.
If your garage is attached to your home, it will usually already be covered by your home insurance. If your garage isn’t connected to your home, then you might need to take out a separate garage insurance policy or add-on to get adequate cover.
Buildings insurance for a garage will protect the physical structure only. It covers it against fire, natural disasters, flooding, and damage caused by theft. It differs from contents insurance, which protects the items inside the garage.
Do I need contents insurance for my garage?
You may need additional contents insurance for your garage depending on where it’s located and what’s stored inside.
If your garage is attached to your home, your existing contents insurance policy should cover any belongings you keep in there. However, standard home insurance may not cover detached garages, or might impose conditions such as having security requirements (for example, high-quality locks).
You should consider purchasing separate contents insurance or add-ons if:
Your garage is not attached to your home
Your garage does not meet any security requirements set out in your policy
You have expensive items in your garage that exceed standard insurance limits
How much should I insure my garage contents for?
You should insure your garage contents for the total cost of replacing all items stored there.
To ensure you’re adequately covered, you should:
Take an inventory of all the items in your garage
Inform your insurer of the overall value and any high-value items
Regularly review the contents of your garage and inform your insurer of any changes
1. Consider overall contents limits
This is the maximum amount an insurer will payout for all of the possessions in your garage if they are lost, stolen, or damaged. It represents the total value of all the items that are covered by your contents insurance.
2. Consider single item limits
A single item limit is the maximum amount an insurer will payout for a single item.
For example, if your contents insurance policy has a single item limit of £1,500, and an tool worth £2,000 is stolen, you’ll only receive £1,500 of the item’s value. When taking out contents insurance you can declare high-value items to insure them for the full value, however this will increase your premiums.
How do I make a claim on my garage insurance?
It’s important to act as quickly as possible to make a claim on your garage insurance.
As soon as you are able you should:
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Contact the police
Report the incident to the police if necessary.
For example, if there has been a break-in, obtain a crime reference number.
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Gather documentation
Gather together any documentation, such as:
policy documents
receipts and photographs
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Contact your insurer
Contact your insurer and inform them of the incident. Your insurer will then advise on next steps.
You’ll usually have to fill out a claims form, and your insurer will decide whether to accept your claim.
Compare home insurance quotes from 87^ providers
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Our expert says…
Garage insurance can be essential for protecting your belongings, especially if you have a garage that isn’t connected to your home and you store valuable items in it.
There were 422,000 domestic burglaries in 2024, and our recent study found that the average claim for theft was £4,803.66. Considering the average contents insurance policy is £79.61
^ , it is definitely worth considering to protect items like gardening equipment, tools, bikes, and anything else you keep locked up in your garage. However, before you look at policies, check what cover you have already, as it may be included on your home insurance policy.
David McDermottroe Insurance & Personal Finance Expert
How can I keep my garage secure?
🚩 Your garage must be locked for your insurance policy to be valid
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Keep it well lit
Outdoor security lighting can be an excellent deterrent for burglars, especially with a motion sensor light.
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Get an extra lock
Consider a garage defender to improve the strength of your door and provide one more barrier for potential thieves.
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Install alarms
Alarms will immediately alert you to any break-ins or fires as and when they happen. Any alarms should be regularly tested.
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Cover windows
Frosted glass, blinds, and any other cover stops potential thieves from looking in and spotting items they want to steal.
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Hide valuables
Make sure any high-value items in your garage are not easily visible. Store them in safes or locked cupboards and containers.
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Have a noisy driveway
A drive that makes noise when someone walks on it, such as one covered in stones, can put potential thieves off and alert you.
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Is my car covered by garage insurance when parked inside?
No, your car will not be covered by your garage insurance policy when it’s parked there. If your car sustains any damage while parked in your garage, or if it’s stolen from inside it, you’ll need to claim on your car insurance policy.
If your car is uninsured, say because it's been declared as off-road with a Statutory Off Road Notice, then you won’t be covered at all. This will be the case even if your garage and car were locked.
Is my bike covered by garage insurance?
Your bicycle will be covered by your garage insurance policy if its value comes within the single item value limit specified by your insurer.
If its value is higher than the limit, it’ll need specific bicycle insurance. E-bikes are likely to require individual cover.
Motorbikes won’t be covered by garage insurance at all. You'll need motorbike insurance.
Is my garage roof covered by insurance?
Yes, any insurance policy that covers your garage should cover damage to the garage roof.
Does homeowners insurance cover theft from my garage?
If your homeowners’ insurance covers your garage then it should also cover the cost of any items missing as a result of theft, as well as any damage to your property caused by the break-in.
Homeowner's insurance usually only covers garages that are attached to the main property. Otherwise, you may need separate garage insurance.
How can I get cheaper garage insurance?
The easiest way to get cheaper garage insurance is to compare your options when looking for cover online. However, there are some other useful tips you should follow:
Value your belongings accurately: Ensuring your items are valued accurately means you won’t overpay for cover you don’t need, as well as ensuring you avoid underpaying and risking a huge bill later on
Improve your garage security: Having security lights, cameras, alarms, and adequate locks on your doors can help reduce your premiums. It can also ensure that your premiums don’t rise as a result of an insurance claim
Can I get a quote for garage insurance without providing personal information?
No, it’s not possible to get a quote for garage insurance without providing personal information.
This is because insurers need to assess the risk associated with your garage. In order to do this, they’ll need information such as the location of the garage and your claims history. Without this, insurers won’t be able to give you an accurate quote.
What are the different levels of cover available for garage insurance?
Most garage insurance will cover the physical building itself and the contents within it, up to a certain value.
If you require more comprehensive cover, you can purchase add-ons (such as accidental damage cover) or increase the contents value covered by your insurer.
Every policy will be different, so comparing insurance can help find a level of cover that suits you.
Are there any discounts available for bundling garage insurance with other policies?
Yes, many insurers will offer discounts for bundling garage insurance with other policies. Combining buildings and contents insurance can reduce costs, as can taking out garage insurance with the same provider as your home insurance.
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We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We don’t give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies don’t want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is home insurance eligible for SuperSaveClub and rewards?
Yes, you can earn SuperSaveClub rewards when you buy home insurance through MoneySuperMarket.
This includes:
Up to £15, which you can withdraw as a pre-paid Mastercard or a gift card for brands like Sainsbury's and Amazon.co.uk
Free Days Out pass (worth £180), which gives free entry to a range of UK attractions
Cashback of up to 10% when you spend at brands including eBay, Just Eat and Argos
To earn SuperSaveClub rewards on purchases you must:
Sign up to SuperSaveClub (it's free)
Be signed in to your account when you make the purchase
More information can be found on our SuperSaveClub homepage.
Is home insurance eligible for Price Promise?
Yes, home insurance is included in our Super Save Price Promise.
If you buy through us then find the same deal for less we will:
refund the difference
give you a gift card worth up to £20
Terms and conditions apply. More information can be found on our Price Promise page.
Reviewed on 26 Dec 2025 by
SuperSaveClub restrictions and T&Cs apply. Click here for details.
Data based on the median premium of building and contents insurance policies sold through MoneySuperMarket in October 2025.
The annual premium that 51% of our customers paid in October 2025 where the cover type purchased was contentsinsurance.
Based on 1 visit per month – average ticket value £15.30 (Oct 24)
T&Cs and restrictions apply, see here for more information
Annual saving based on 51% of customers transferring £2,275 from a 24.9% (variable) p.a. card, with a 5% monthly repayment (Nov 2025). BoE and UK Finance.
Representative example: transferring £2,275, 2.99% balance transfer fee, 0% over 35 months then 24.9% (variable) p.a. Representative 24.9% APR. Credit broker not lender. 18+ UK only. Subject to status. Moneysupermarket data correct as of 10th Nov 2025
Based on the credit card enquirys with the aim to transfer an existing balance through MoneySuperMarket between September 2025 and November 2025.
Accurate as of 26 December 2025.
51% of consumers could save up to £193.69 Consumer Intelligence , Buildings and Contents Oct 2025 Exc NI, CI, IOM
T&Cs and restrictions apply, see here for more information
T&Cs apply, click here for more information