Items stored in your garage can easily be stolen or damaged during severe weather, such as a tornado. This can include expensive tools, sports equipment, and seasonal items. Home insurance may help Sanger, TX, residents replace their damaged or stolen belongings, but coverage depends on the policy’s structure.
Does Home Insurance Cover Vehicles in the Garage?
Most home insurance policies exclude vehicles from coverage. This includes both standard vehicles and motorcycles. If belongings are stolen from a vehicle parked in your garage, your home insurance may help replace them. However, damage to the vehicle itself is not covered under your home policy.
For example, if someone breaks a car window and steals items from the vehicle while it is parked in the garage, home insurance may help with the stolen belongings. You will need to contact your auto insurance provider to address the broken window or any other vehicle damage.
Are Personal Belongings in the Garage Covered?
Coverage varies widely based on the structure of your policy. Some minimal home insurance policies do not cover detached or additional structures, such as standalone garages or sheds. Even when the structure is covered, the personal belongings inside may still be exposed. An agent at Hermes Insurance Solutions can review your policy and help determine whether items stored in your garage are protected.
Ensuring Your Coverage Limits Are High Enough
Having coverage is important, but making sure your coverage limits are sufficient is equally crucial. Garage items such as landscaping tools, power equipment, and specialized machinery can quickly exceed a low coverage limit, leaving you responsible for the remaining costs.
Take a brief inventory of what you store in your garage. Then contact your insurance provider to confirm your limits are high enough to fully protect your belongings.
The agents at Hermes Insurance Solutions are committed to helping you secure the right protection for your needs. Contact us today to review your coverage. We proudly serve the Sanger, TX area.
