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Garage insurance

What is garage insurance?

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

By Emily Sullivan

Published: 14 October 2020

A man stood in his garage

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Garage insurance protects the structure of your garage and its contents and is usually included as part of standard home insurance policy. 

Do I need a separate insurance policy for my garage?

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.

Do I need contents insurance for my garage?

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).

What isn’t covered by garage insurance?

Garage insurance doesn’t usually cover:

  • Unlocked garages: You’re usually not covered if your garage is left unlocked
  • Accidental damage: Standard buildings insurance and contents insurance policies won’t tend to offer cover for accidental damage – but it can be added on as an extra level of cover. If your policy includes it and you have a garage that’s considered an outbuilding, check the level of cover – it might not be the same as it is for your home

Check your policy if you’re unsure what is and isn’t covered.

How to keep your garage secure?

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:

  • Keep your garage well lit: Outdoor security lighting is an excellent deterrent for burglars, especially with a motion sensor light
  • Get an extra lock: Your garage must be locked for your insurance policy to be valid. To be extra secure, you could consider a garage defender – it improves the strength of your door and provides one more barrier between thieves and the contents of your garage
  • Install an alarm: Having an alarm will give you the assurance of being immediately alerted to any break ins as and when they happen
  • Keep valuable items hidden: If you keep high-value items in your garage, try and ensure they are not visible from the outside. Blinds or frosted window film can do the trick

Comparing home insurance policies

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:

  • your current home insurance policy details
  • the rebuild value of your home
  • the level of cover you need.

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.

Looking for home insurance?