Insure the contents of your garage, including gardening tools, power tools, sport and gym equipment with home garage insurance.
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.
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.
As standard, your policy will cover you for theft of garage contents. 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.
Does home insurance cover garage doors?
Yes, as the garage is an outbuilding damage caused to the structure itself is covered under Buildings insurance . This is separate to your Contents insurance and the belongings stored in your garage.
Note that, in some cases, increasing contents cover will cause a referral. Detached outbuildings are covered for up to £7,500 under buildings insurance.