Garage Insurance
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.
Get a home insurance quote online
Get a quote online in less than 10 minutes*
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.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
What’s covered by BUILDINGS & contents insurance?
Our home insurance covers insured events like:
- Fire and smoke
- Flood and storm
- Theft and attempted theft
- Escape of water or oil
- Malicious damage
- Subsidence, landslip, and heave
- Falling trees or branches
- Vehicle collisions or damage caused by emergency services
This includes the structure of your main home, outbuildings (such as summer houses and sheds), and permanent outdoor features like patios, driveways, paths and boundary walls. Your contents are also protected, including furniture, electronics, clothing and kitchenware — even those stored in garages, sheds or other outbuildings.
What we offer
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
Your Questions Answered
In most cases, they are covered up to a certain maximum per claim if you make sure the value of these items are included in the value of contents to be insured. You can find out more about our garage insurance here, and our shed insurance. Please note that there are some items that we can’t insure such as boats and water skis, please refer to the policy booklets for full details. Some business equipment stored in outbuildings is covered, but not high-risk items or stock without underwriter approval.
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.
Recommended by our customers
72% Saved money when they switched to Homeprotect*
*Survey data of 1,089 buying customers from 30th October – 12th November 2024
Prefer to SPEAK WITH us?
Our insurance experts are on hand if you have any questions.