Insuring a garage or garage box: Everything you need to know about building insurance

A garage or garage box is a valuable addition to your home or a smart investment, whether you use it for your car, motorcycle, tools or storage space. But what if there fire damage occurs, An storm causes damage to the roof, or there burglary occurs?

Immediately building insurance for your garage or garage box protect yourself against unexpected costs. But when is insurance necessary, what is covered and how do you choose the best policy? In this blog we answer all your questions about insuring a garage or garage box.

1. Why Building Insurance for your Garage or Garage Box?

A building insurance is intended to prevent damage to it building itself to cover. This means that if there is damage to the structure of your garage or garage box, such as the walls, roof or doors, the insurer can reimburse the costs.

Whether you need separate insurance depends where your garage is located and how it is used .

✔ When is Building Insurance Necessary?

✔ Garage on the same plot as your home – Often co-insured in you building insurance for your home .
✔ Separate garage box at another location - A separate building insurance is usually necessary.
✔ Garage in a VvE (Owners' Association) – Often collectively insured through the homeowners' association.
✔ Rented garage or garage box - A building insurance for rented real estate is recommended.
✔ Garage box with mortgage – Banks often require building insurance if the garage has been financed.

💡 Are you unsure whether your garage is already insured? Check the policy conditions of your home insurance or inquire with your homeowners' association.

2. What does Building Insurance cover for a Garage or Garage Box?

Home insurance provides coverage against damage to garage itself, not the stuff in it. Coverage may vary per insurer, but the following risks are usually included:

✅ What is Covered?

🔥 Fire damage – Coverage for fire, smoke and extinguishing damage.
🌪 Storm and hail damage – Damage to the roof or walls due to extreme weather conditions.
💦 Water damage – Leakage due to rain or burst pipes.
🔑 Burglary and vandalism – Damage to doors, locks and walls after a burglary attempt.
🚗 Collision damage – If someone accidentally crashes into your garage.

📌 NB: Some insurers only reimburse storm damage due to wind force 7 or higher .

❌ What is Not Covered?

⛔ Stolen items from the garage – Do you want to insure your tools, motorcycle or car? Then you have one home contents or vehicle insurance necessary.
⛔ Damage due to overdue maintenance – Cracks in the walls or leaks due to poor maintenance are not reimbursed.
⛔ Illegal activities – Storage of hazardous substances can lead to rejection of a claim.
⛔ Wear or old age – Normal aging of the garage is not covered.

💡 Do you want to know which coverage best suits your situation? Request a quote from Finass Insures .

3. When is your Garage covered by your Home Insurance?

If your garage is on the same plot as your home, then this one is often automatically insured through your home's building insurance.

Check the Policy Conditions:

✔ Are outbuildings included in the building insurance?
✔ Is there a maximum distance between your house and garage?
✔ Are rented garages also insured?

📌 Tip: Is your garage box in a different location? Then you have one separate building insurance necessary.

4. How do you choose the best garage or garage box insurance?

Not all insurance policies provide the same coverage. Pay attention to these points when choosing insurance:

✔ 1. Check whether your garage is covered by your home policy

Some home insurance policies cover separate garages if they are on the same plot as your home. Is your garage located somewhere else? Then one separate insurance necessary.

✔ 2. Choose the right coverage for storm and fire damage

Garages are extra vulnerable to this storm, hail and fire. Make sure you have insurance for this damage complete covers.

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

Garages and garages are often targets burglars. Choose insurance that burglary damage to the garage co-insured.

✔ 4. Check whether the rebuilding value is properly insured

In the event of damage, you will receive compensation based on the damage rebuilding value. Make sure this realistic and is not estimated too low.

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

5. How much does Building Insurance cost for a Garage or Garage Box?

The premium for building insurance for a garage or garage box depends on various factors:

📌 The value of the garage – The more expensive the garage, the higher the premium.
📌 The location – Burglary-prone areas often have higher premiums.
📌 Coverage level – Extra coverage for storm and burglary damage increases the premium.
📌 Own risk – A higher deductible lowers the premium.

💰 Indication of costs:
🔹 Separate garage box – From €5 to €15 per month .
🔹 Garage box as part of home insurance – Often included without additional premium.
🔹 Garage box in a homeowners' association – Often collectively insured through the homeowners' association.

💡 Do you want to know what insurance for your garage costs? Request a no-obligation quote from Finass Insures .

6. How do you take out Building Insurance for your Garage or Garage Box?

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

1️⃣ Check whether your garage is already insured with your home or homeowners' association building insurance.
2️⃣ Compare coverage and premiums from various insurers.
3️⃣ Choose an insurance policy with the right coverage for fire, storm and burglary damage.
4️⃣ Request a quote from Finass Insures for a tailor-made policy.
5️⃣ Take out insurance and enjoy optimal protection!

💡 Do you want to optimally protect your garage or garage box? Request a quote without obligation Finass Insures and discover the best insurance for your situation! 🚀