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Find out how to keep burglars at bay during the dark winter months
Home insurance policies offer different levels of cover for your garage structure and its contents, depending on whether your garage is attached or detached to your home
Garage insurance protects the structure of your garage and its contents and is usually included as part of standard home insurance policy.
This will depend on where your garage is located and the terms of your home insurance policy.
If your garage is attached to your home, its structure and contents will probably have the same level of cover as the rest of your house. If your garage is detached from your home but still inside the boundaries of your property, it will be classed as an outbuilding. That means it probably won’t be covered by standard home insurance policies. Some policies may let you add it on at an extra cost.
If your garage is away from your home, it probably won’t be protected by your home insurance, but you may be able to add it. If you can’t, you can shop around for a separate insurance policy to cover it.
From lawnmowers to bicycles and tool kits to golf clubs, the value of the contents of your garage could add up to a hefty amount. Luckily, contents insurance will help to cover these items against the cost of repair and replacement costs caused by theft, malicious damage, fire and flood.
Remember to include the contents of your garage when estimating the value of your home contents and to note high value items. If there’s anything in your garage that’s worth more than the single item limit specified on your policy, you’ll likely have to declare it on your policy.
Also bear in mind that any high-value items, like a bike, which are damaged or stolen when you take them off your property won’t be covered unless you’ve opted for cover away from home (sometimes called personal belongings cover).
Garage insurance doesn’t usually cover:
Check your policy if you’re unsure what is and isn’t covered.
It’s important to keep your garage securely locked to deter burglars and to make sure your insurance policy is valid. Here are some ways to secure your garage:
You can compare home insurance policies using MoneySuperMarket’s home insurance comparison tool.
You’ll just need to tell us a bit about yourself and your property, including:
Once you’ve answered the questions, we’ll find you a list of quotes to choose from, including optional extras you might want to add.
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