Does my homeowners insurance cover my garage or just my house?

A standard homeowners insurance policy will provide Other Structures Coverage which protects detached garages, sheds, etc. on your property(However you should check with your home insurance agent for specifics on your policy).

Typically, a policy that covers Other Structures Coveragewill offer a maximum of 10% of the total dwelling coverage for other structures. So, if you had a maximum of $200,000 of dwelling coverage, you would most likely have up to $20,000 worth of  other structures coverage on your property.

Remember, the damage to your garage or shed must be caused by a covered peril listed on your homeowners insurance policy including fire, wind, hail, lightening, theft, etc.

The contents of your garage or shed are covered as well, however they are covered under the Personal Property coverage portion of your homeowners insurance policy. When completing your home inventory, be sure to include any personal property that you keep in your garage or shed (with the exception of automobiles, motorcycles, etc. which typically require their own coverage).