Own garage box? Why a home insurance policy is smart for protection against damage

Do you have a garage box to store your car, motorcycle or valuables? Or do you use your garage box as an investment object and do you rent it? No matter how you use the garage box, it is important to ensure it well against damage caused by fire, storm or burglary.

With a home insurance for your garage box you protect yourself at high costs in the event of damage. But why is this so important? What exactly does a home insurance cover? And when is a separate insurance needed? We explain it in this blog.

1. Why is a home insurance policy important for a garage box?

You may not always think about it, but a garage box runs just as well the risk of damage as your home. Think of:

✅ Storm that damages the roof
✅ Fire due to short circuit or external factors
✅ Burglary where the garage door is forced
✅ Water damage due to leakage or flood
✅ A car that accidentally encounters the garage

Without insurance, the repair costs can increase considerably . A home insurance covers this damage, so that you are not faced with high costs.

2. When do you need home insurance?

A home insurance is not always mandatory , but often strongly recommended. Whether you need separate insurance depends on your situation :

✔ Garage box on site (with your house) - often co -insured in the home insurance of your home .
✔ Loose garage box at a different location - a separate home insurance is needed.
✔ Garage box in a VvE (Owners' Association) - often collectively insured via the VvE, but check the coverage.
✔ Garage box with mortgage - banks often require a home insurance policy for financing.
✔ Rented garage box - A home insurance for rented property is essential to cover financial risks.

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

3. What does a building insurance cover for a garage box?

A home insurance covers damage to the construction of the garage box , but not the items in it.

✅ What is covered?

🔥 Fire - Damage due to short circuit or external fire.
🌪 Storm and hail damage- coverage in the event of damage to roof, walls and doors.
💦 Water damage - leakage due to rain or jumped pipes.
🔑 Burglary and vandalism - coverage for forced locks and damaged doors or walls.
🚗 Collision damage - If a vehicle runs against your garage.

❌ 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 - insurers do not pay out if damage caused by poor maintenance.
⛔ Illegal activities - Damage due to storage of hazardous substances is not reimbursed.
⛔ Normal wear - for example, outdated garage doors that fail.

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

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

If your garage box on the same plot as your home , it often falls under the home insurance of your house .

Check your policy conditions:

✔ Are outbuildings co -insured as standard?
✔ Is there a maximum distance between home and garage?
✔ Are rented garages also covered?

📌 Tip: Is your garage box somewhere else? Then a separate home insurance required.

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. 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 .

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

The premium of a home insurance for a 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 .

7. 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! 🚀