Damage to your garage box? This covers a home insurance!

A garage box is a valuable investment, whether you use it for your car, motorcycle, tools or storage of other precious items . But what if your garage rises fire damage , a storm races over or there is burglary damage ?

With a home insurance policy for your garage box you protect yourself against unexpected costs. In this blog you can read what damage a building insurance covers , which is not reimbursed , and how you ensure that you choose the right coverage .

1. When do you need home insurance for your garage box?

A home insurance cover damage to the building itself But is such an insurance required for a garage box?

✔ Mandatory or optional?

✔ Garage box on its own land - not legally required, but strongly recommended.
✔ Garage box with mortgage - banks often require a home insurance when you finance a garage box.
✔ Garage box in a VvE - often collectively insured via the VvE.
✔ Rented garage box - insurance is smart to prevent you from turning for damage.

💡 Do you doubt whether your garage is already insured? Check your home insurance policy or ask your VvE.

2. What damage does a home insurance cover for a garage box?

A home insurance offers coverage for damage to the garage box itself. These are the most important claims that are covered:

✅ What is covered?

🔥 Fire damage - for example due to a short circuit or an external fire.
🌪 Storm and hail damage- broken roofs or walls due to extreme weather conditions.
💦 Water damage - Damage due to floods, leaks or jumped pipes.
🔑 Burglary and vandalism - Damage to doors, ditches and walls after a burglary attempt.
🚗 Collision damage - A vehicle that accidentally encounters your garage.

📌 Note: Some insurers only reimburse storm damage in wind force 7 or higher. Always check the policy conditions.

3. What does a home insurance not cover?

Not all damage is reimbursed as standard. This is what a home insurance usually does not cover:

⛔ Stolen items from the garage - do you want to insure your tools, motorcycle or car? Then you need a household effects or vehicle insurance .
⛔ Damage due to overdue maintenance - for example if a roof collapses due to poor condition.
⛔ Illegal activities - storage of hazardous substances can lead to a claim.
⛔ Wear - normal aging or small cracks in the walls are not reimbursed.

💡 Do you want to know what the best coverage is? Request a quote from Finass insures .

4. What if your garage box falls under your home insurance?

Some home insurance policies cover individual garages as these on the same plot as your home .

Check the policy conditions:

✔ Or outbuildings (such as garages) are automatically insured.
✔ Whether there is a maximum distance between your home and garage box.
✔ Whether extra coverage is required when your garage is rented.

📌 Tip: Is your garage box in a different location? Then you a separate home insurance policy .

5. How do you choose the best building insurance for your garage box?

Not all insurance policies offer the same coverage. Note these points when choosing an insurance:

✔ 1. Choose the correct coverage for storm and fire damage

Garage boxes are extra vulnerable to storm, hail and fire . Make sure your insurance covers this damage in full .

✔ 2. Pay attention to coverage in the event of burglary and vandalism

Garage boxes are often targets for burglars . Choose an insurance policy that burglary damage to the garage .

✔ 3. Check whether the rebuilding value is properly insured

In the event of damage you will receive a reimbursement based on the rebuilding value . Make sure that it realistic and not estimated too low.

💡 Tip: Insurers sometimes give a discount if your garage has an extra good lock or alarm system .

6. What does a home insurance cost for a garage box?

The premium of a home insurance for a garage box depends on:

📌 The value of the garage - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Dress level- Extra coverage for storm and burglary damage increases the premium.
📌 Own risk - a higher deductible lowers the premium.

💰 Indication of the costs:
🔹 Loose garage box - from € 5 to € 15 per month .
🔹 Garagebox as part of home insurance - often included.
🔹 Garage box in a VvE - often collectively insured via the VvE.

💡 Do you want to know what an insurance policy costs for your garage box? Request a free quote from Finass insures .

7. Frequently asked questions about building insurance for garage boxes

💬 Is my garage box insured through my home?
Sometimes, but only if the garage on the same plot as your home.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . A separate insurance is required for tools or vehicles.

💬 What if my garage box is vacant?
Some insurers limit coverage in the event of long -term vacancy . This can affect the compensation in the event of damage.

💬 Can I insure my garage box with my VVE?
If your garage is part of a VvE , it usually falls under the joint home insurance . Request this from the VvE manager.

💬 Is storm or fire damage always covered?
Yes, but some insurers use an increased deductible for storm and fire damage.

8. How do you take out home insurance for your garage box?

Do you want to be sure that your garage box is well insured? Follow these steps:

1️⃣ Check whether your garage is already co-insured with your home or VVE-Opstal insurance.
2️⃣ Compare coverings and premiums from different insurers.
3️⃣ Select an insurance policy with the correct coverage for fire, storm and burglary damage.
4️⃣ Request a quote from Finass insure for a customized policy.
5️⃣ Take out the insurance and enjoy optimum protection!

💡 Do you want to optimally protect your garage box? Request a quote from Finass insures and discover the best insurance for your situation! 🚀