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Garage insurance

If you’re reading this, you obviously have access to a garage - but the question is, what do you keep in it and is it covered under your insurance? 

Key points

  • Most home insurance policies cover your garage as long as it’s within your property boundary, but may set a limit for the amount of cover
  • Many insurers won’t provide cover for a theft if your garage is unlocked
  • Extra security measures could improve your cover or reduce premiums

As long as you have contents and buildings insurance, and your garage is within the boundaries of your property, your garage and whatever you're storing in there will usually be covered.

On 20 July, 2017, GoCompare asked  independent financial researcher, Defaqto, how many of the 427 buildings insurance policies and 435 contents insurance policies listed on its matrix included cover for garages.

It confirmed that all insurers listed included outbuildings on the property and covered them as part of the house, while and 98% of contents policies provided some amount of cover for contents in the garage.