Garage insurance

Get cover for your garage and your possessions within with your buildings and contents insurance.

Alice Morgan
Alice Morgan
Updated 25 May 2021  | 2 min read

What is garage insurance?

Garage insurance will cover the structure and contents of your garage against theft, fire damage and flooding.

Most home insurance policies will cover your garage so long as it’s within your property boundary, but might set a limit on the amount of cover.

Key points

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

Is my garage insured?

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. But if your garage is a separate structure, it’ll be classed as an outbuilding. That means it might not be covered by your home insurance. Check your policy wording to be sure.

If you’re storing a car or motorbike in your garage, they will be covered under your car insurance or motorbike insurance policy instead.

Are your garage contents covered?

Yes, if you have the right contents insurance.

According to Defaqto, 76% of 337 contents policies listed offered contents cover for your garage, up to the total sum insured.[2]

That means the items you have stored in your garage will be insured for the maximum amount stated on your policy.

But 5% of policies only covered contents between £1,750 and £2,999, 1% covered contents worth between £3,000 and £4,999, and 10% covered contents for £5,000 or more.

Your garage could contain thousands of pounds worth of belongings, from power tools and golf clubs to washing machines and food-filled freezers.

Make sure you calculate the value of it all, just as you would with the rest of your house.  

If you under insure, you could get less than the value of your items if you need to make a claim.

Bikes might have single item limits and your insurer could expect them to be locked up, even if they’re already in a locked garage.  

Your insurer might want you to take out an additional policy for bicycles, especially for higher value bikes.  

Contents insurance will only cover your bicycle if it’s stolen or damaged at home - but you’ll be able to add extra cover to protect your possessions when you’re out and about.  

Read your policy documents carefully - some insurers will offer you protection up to a certain amount for your possessions stored in an outbuilding, but not a garage. 

Exclusions and extras

There’ll be an item limit as well as a total limit for your garage contents.     

What’s covered varies greatly between insurers - but for 90% of the policies on Defaqto, the single item article limit is £5,000 or more.

However, you might find that your insurer refuses to insure certain items in your garage like snowboards, skis or water-skis.    

You also might not be covered if your garage is left unlocked – check your policy and get a secure lock in place.  

If you want protection against accidental damage, you might have to buy another policy and pay extra for it.  

Damage to a car stored in your garage will be covered by your car insurance policy.  

What if my garage is away from home?

It doesn’t matter whether your garage is integral or detached, so long as it’s within the boundaries of your property you’ll be covered.   

If it’s part of a nearby block of garages or lock-up, your insurer might still be able to cover it. 

You must tell them it isn’t next to your home, otherwise it might invalidate any claim you make.

How to improve the security of your garage  

Investing in better security could lower the cost of your premiums.  

If you’re upgrading your locks on your property, don’t forget to include your garage. 

You can easily improve the security of up-and-over garage doors by adding garage door bolt or defenders, which can be bought from DIY, hardware and a range of other shops.  

If you have a pedestrian side door, you’ll probably be able to fit a mortice deadlock.   

It makes sense to include a smoke detector and burglar alarm in your garage too.  

Security lights can give added protection, particularly if your garage is detached so you’re less likely to hear an intruder trying to get in.   

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[2] Last checked 9 December 2022