Your home insurance generally covers your garage, but there are important details to know. Standard protection often offers between 10% and 15% coverage for outbuildings like your garage, whether you’re an owner or a tenant.
Why protect your garage with an adapted policy?
Risks related to outbuildings
A residential or commercial garage isn’t just a parking space. It’s often a place where valuables are stored, where DIY projects happen, or even a secondary access point to the house. And in many home insurance or business contracts, outbuildings (like a detached garage, shed, or workshop) aren’t automatically covered the same way as the main building.
Property and repair costs
Protecting your garage against property loss and repair costs means avoiding unpleasant surprises in case of damage. Whether you store tools, bikes, equipment, or even expensive materials, this space is often targeted by theft or exposed to risks like fire, vandalism, or water damage.
A well-structured insurance ensures peace of mind by covering both your property and possible structural damage.
Exclusions to check before subscribing
Before subscribing to insurance for your garage, it’s essential to check the contract exclusions carefully. Some policies limit coverage for detached outbuildings, stored valuable items (like specialized tools or motorized equipment), or commercial activities conducted in the garage.
Others may exclude damage caused by wear and tear, rodents, gradual water infiltration, or lack of maintenance. Read the exclusion clauses carefully and discuss with your broker to avoid unpleasant surprises when making a claim.
How to effectively insure your garage?
Distinguishing between attached and detached garages
To properly protect your garage, you first need to know if it’s attached or detached from your home. Here’s a table comparing the two types:
| Characteristic | Attached Garage | Detached Garage |
|---|---|---|
| Location | Connected to the house | Separate on the property |
| Coverage | Included in home insurance | May require dedicated insurance |
| Risks | Similar to home risks | Specific risks to consider |
| Premium | Generally lower | Potentially higher |
If your garage is an outbuilding located far from your house, you might need special insurance. This precaution also applies to parking spots in condominiums.
Declaring your parking space
Do you have a parking spot? Don’t forget to declare it to your insurer! This step is crucial for obtaining civil liability coverage, whether you’re a tenant or owner.
To declare your parking space, here’s what you need to do:
- Gather information about your spot
- Contact your insurer by phone or online
- Provide requested details
- Verify that coverage criteria meet your needs
Choosing guarantees to cover all damages
Your insurance policy should include several essential guarantees to protect your garage:
- Theft: for your property and vehicle
- Fire: in case of major damage
- Vandalism: against malicious acts
- Replacement cost: to replace damaged items
Getting an extension for valuable items
Do you keep valuable items in your garage? An insurance extension is necessary! This additional option ensures better protection for your valuable property.
The extension typically covers:
- Expensive sports equipment
- High-end DIY tools
- Collector’s bicycles
This additional guarantee protects you against a wide range of problems, such as theft or accidental damage. If you need to insure specific items, talk to your insurer to find the best solution.
Protect your garage before damage occurs
Secure doors and windows to prevent theft
To protect your garage from theft risks, we recommend installing solid security equipment on openings. Remember that these measures not only prevent theft but can also help in case of damage. Many insurers require proof of adequate protection from the insured for theft-related compensation.
Install an alarm and surveillance system
A good alarm and surveillance system can greatly improve your garage’s security. We advise choosing a device that sends alerts to your phone in case of intrusion. Place cameras at strategic entry points for comprehensive coverage.
Besides preventing vandalism, cameras can save you money on insurance. Many companies offer discounts if you prove you’ve installed a security system that meets their criteria for protecting your property.
Regularly check the building’s general condition
Preventive maintenance of your garage is crucial to avoid damage and maintain stable insurance costs. We recommend inspecting your garage at least twice a year, ideally in spring and fall.
Start by examining the roof and exterior walls. Look for signs of wear or weather damage. Inside, check walls and floors for moisture or mold traces. Don’t forget to look at electrical installations to spot any damaged wires.
Find home insurance coverage that protects your garage!
Looking for adapted protection for your home and garage? At Gendron Assurance, we offer personalized solutions that meet your specific needs. Our team of experts guides you through available options to ensure complete peace of mind. Fill out our form today for a free quote and discover how we can help you.
Frequently Asked Questions about Home Insurance and Garage
What to do in case of fire in my garage?
Generally, your home insurance protects the garage as an outbuilding, covering about 10% to 15% of your home’s value. If a fire occurs, quickly contact your insurer and document the damage. A detailed inventory of your property will facilitate your claim. Remember that claim frequency influences your premiums. To be compensated, ensure your garage is properly secured. Note that certain exceptional events, like terrorist acts, are often excluded from coverage.
How to declare a new parking space?
Inform your broker of any new outbuilding, including additional parking space. You’ll need to update your contract specifying the area and amenities. Know that your home insurance takes into account garages and detached outbuildings.
What property isn’t covered in the standard policy?
Undeclared valuable items and those subject to restrictions, such as collections or vehicles, are generally excluded. Certain damages, such as major disasters or theft from an poorly secured garage, may not be covered depending on your policy.
