Homeprotect buildings and contents insurance policies cover your garage and other outbuildings for which you are legally responsible and which are located within the boundary of your property, as well as items stored in them such as gardening tools, power tools, sport and gym equipment.
What’s stored in your garage?
Garages are home to lawnmowers, tool kits and bicycles. More often than not, we also use the garage as a bit of a dumping ground for those items that don’t quite have a place in the house too. The cost of all those items can quickly add up but they are often forgotten when seeking home contents insurance.
Theft is a big concern for belongings stored in the garage or shed. Fitting new locks, security lighting or installing a burglar alarm can make a great difference and be a useful deterrent to thieves. Even so, having all the items in your garage covered by insurance will give you added peace of mind that your contents are protected, should the worst happen.
Garage contents insurance for your forgotten belongings
All of the items that you store in your garage, like tools and bicycles, can add up to several thousand pounds. If you haven’t already then it’s well worth calculating the value of the contents of your garage and other outbuildings, just as you would do for the main house, and add this to your total sum insured.
Your policy will cover you for contents up to £1,500, unless you specify that you need more. There is also a £1,500 single item limit, so you must specify any belongings over that value to receive the full replacement amount if they are stolen or damaged.
Note that, in some cases, increasing contents cover will cause a referral.
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Home, outbuildings and boundary at a glance
Note: These diagrams are for illustration only. If there’s a conflict between the diagrams and the wording in your policy, the wording should be used.
buildings & Contents Insurance Cover Levels
Our home insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Covering the value of all your possessions in the home, on a new for old basis.
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
What’s covered by BUILDINGS & contents insurance?
Home insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick home emergency response times
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
Your Questions Answered
No, we only provide cover for garages and outbuildings as part of a buildings and contents home insurance policy.
Yes, as the garage is an outbuilding, damage caused to the structure itself is covered under buildings insurance. This is separate from your contents insurance.
There is a maximum claim limit unless you have specifically asked to increase this. Check the current level in our policy booklet.
Garages and lock-ups that are situated in a separate block outside the boundary of your property are not covered as standard by Homeprotect buildings or contents insurance policies, but we can usually add them in if you call us.
Cover against claims for theft is only provided where there are signs of damage caused by the thief to gain entry, and if your garage was not locked this would not be the case. However, if a padlock, door or window had been broken to gain entry, this would be considered. Don’t forget that there is a limit for any one claim for items stored in outbuildings. Check the current level in our policy booklet.
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