Garage or garage box insure: everything you need to know about the home insurance policy

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 fire damage occurs , a storm damage to the roof causes , or there is a burglary ?

With a home insurance policy for your garage or garage box you protect yourself at unexpected costs. But when is insurance needed, 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 a home insurance policy for your garage or garage box?

A home insurance cover damage to the building itself This means that in the event of damage to the construction of your garage or garage box, such as the walls, the roof or the doors, the insurer can reimburse the costs.

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

✔ When is a home insurance needed?

✔ Garage on the same plot as your home - often co -insured in your home insurance for your house .
✔ Loose garage box at a different location - a separate home insurance is usually required.
✔ Garage in a VvE (Owners' Association) - often collectively insured via the VvE.
✔ Rented garage or garage box - A home insurance for rented real estate is recommended.
✔ Garage box with mortgage - banks often demand a home insurance policy if the garage box is financed.

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

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

A home insurance offers coverage against damage to the garage itself , not the items in it. The coverage can vary per insurer, but usually the following risks are included:

✅ What is covered?

🔥 fire damage- coverage in the event of 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 jumped pipes.
🔑 Burglary and vandalism - Damage to doors, ditches and walls after a burglary attempt.
🚗 Collision damage - if someone accidentally hit your garage.

📌 Note: Some insurers only reimburse storm damage in 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 need a household effects or vehicle insurance .
⛔ 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 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 does your garage fall under your home insurance?

If your garage is on the same plot as your home , it is often automatically insured via the home insurance of your house.

Check the policy conditions:

✔ Are outbuildings included in the home 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 need a separate home insurance policy .

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

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

✔ 1. Check whether your garage falls under your home policy

Some home insurance policies cover individual garages if they are on the same plot as your home. Is your garage somewhere else? Then a separate insurance required.

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

Garages are extra vulnerable for storm, hail and fire . Make sure your insurance covers this damage in full .

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

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

✔ 4. 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 .

5. What does a home insurance cost for a garage or garage box?

The premium of a home 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 - 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 .
🔹 Garage box as part of home insurance - often included without extra premium.
🔹 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 .

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

Do you want to be sure that your garage or 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 or garage box? Request a quote from Finass insures and discover the best insurance for your situation! 🚀