Garage insurance is an additional coverage option under your home insurance policy. This coverage is specifically designed to protect structures and dwellings that are not attached to the main home, such as a detached garage.
Covered Perils
Garage insurance functions similarly to homeowners’ insurance, providing coverage for damages caused by covered events. Commonly covered perils include natural disasters, wind damage, fires, and lightning strikes. Some policies also cover vandalism, including the cleanup of arson or graffiti.
However, garage insurance typically excludes preventative maintenance and normal wear and tear. Certain natural disasters, such as floods, may also be excluded unless you have additional coverage like flood insurance. Some insurers offer flood coverage as an add-on, while others may require you to purchase it separately. An agent at Gantt Agency can help you understand what is covered under your Farmville, VA policy.
Covered Structures
Garage insurance often extends coverage to additional structures, such as sheds, patios, gazebos, fences, and more. It’s essential to notify your insurance company if you build a new structure and confirm with a representative whether it’s covered. This ensures you are protected before disaster strikes.
Keep in mind that some policies exclude specific structures, such as fences, which are more prone to damage compared to larger structures like sheds and garages. Always review the fine print of your policy to understand what is included.
We understand that garage insurance can be a complex matter. While it typically applies to additional structures, exclusions may apply. Our professional agents at Gantt Agency are here to help you navigate your coverage. Contact us today to discuss your policy. We proudly serve the Farmville, VA area.