Does my homeowners insurance cover my detached garage? Hernando P. Smithtown NY

Typically, a standard homeowners insurance policy will cover your detached garage. A standard homeowners insurance policy has a coverage called ‘Coverage B’ which protects structures other than your home on your property including detached garages and sheds. Make sure your homeowners insurance company knows about these structures however, as you may need to have them specifically listed on your policy in order to be covered.

Also, check with your insurance agent about coverage for specific items in your garage. If you are just looking to cover contents such as sporting equipment, tools, etc- this shouldn’t be an issue. However, a collector or vintage car would not be covered. Check with your agent if you keep any single items of high value in your garage.

For more information, visit: What is Other Structures Coverage?