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Though most homeowners have home insurance, many homeowners are unclear about what their policy actually covers. If you’re wondering if you need a separate garage insurance policy to protect your garage, the answer is usually “no.” Garages are typically covered by a standard homeowner’s insurance policy. Here’s what you need to know.
Garages Don’t Have to be Attached to Your Home to be Covered
Your homeowner’s insurance will cover your garage and the contents, even if you have a detached garage. You’ll need to make sure that you tell your homeowner’s insurance company that you have a free-standing structure on your policy.
Some policies may limit coverage for a detached dwelling to a percentage of the coverage for your main dwelling. For example, if your home is insured for $350,000 and your policy limits coverage for detached structures to 10 percent of your primary home’s value, this means that coverage for a detached garage will be limited to $35,000.
If your detached garage and its contents exceed this limit, you’ll need to purchase additional insurance to fully protect the structure and your possessions.
In-Progress Garages are Usually Covered
You might decide to upgrade your garage so that it better suits your needs. Or, you may want to add a garage to your property. While your garage is being renovated or built, it’s still covered by your homeowner’s insurance policy.
Check that your garage is covered for its replacement value, rather than its fair market value, to confirm that you’ll receive enough money from your insurance policy to rebuild the garage and replace the contents.
Garages Used for a Small Business Need Additional Insurance
If you use your garage to run a business, your garage won’t be covered under a typical homeowner’s insurance policy. Instead, you’ll need to purchase additional coverage to make sure the garage is covered for business usage.
Revamp Your Garage
Ready to renovate or upgrade your garage? Contact RKS Garage Doors to get started.