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! 🚀

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! 🚀

Insurance garage box: do you need a home insurance?

A garage box can be a valuable investment, whether you use it as a parking space, storage space or rented object . But what if your garage rises fire damage , has storm damage , or there is a burglary ?

a home insurance for your garage box against these risks. But is such an insurance required ? What exactly is covered ? And how do you choose the best insurance ? In this blog you discover everything you need to know about insuring your garage box.

1. Is it required for your garage box?

The obligation of a home insurance for a garage box depends on your ownership situation :

✔ Garage box on its own land - a home insurance is not required by law , but strongly recommended to cover damage.
✔ Garage box with mortgage - many banks demand a home insurance if you have financed the garage box.
✔ Garage box in an Owners' Association (VVE) - The VvE can have a collective building insurance that will ensure your garage.
✔ Rented garage box - If you rent a garage box, a home insurance policy for rental strongly recommended.

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

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

A home insurance covers the garage itself , but not the things that are in it. The exact coverage differs per insurer, but usually the following risks are covered:

✅ What is covered?

🔹 fire damage- coverage in the event of fire, smoke and extinguishing damage.
🔹 Storm and weather damage- In the event of damage caused by storm, lightning and hail.
🔹 Water damage - leakage due to rain or jumped pipes.
🔹 Burglary and vandalism - Damage to the garage itself due to a burglary attempt.
🔹 Collision damage - if someone accidentally hit your garage.

📌 Please note: a home insurance does not reimburse the content of the garage . Stuff such as cars, motorbikes or tools must be insured separately via a household insurance or vehicle insurance .

❌ What is not covered?

⛔ Stolen items from the garage - this falls under a household insurance.
⛔ Own damage due to poor maintenance - for example cracks in the walls due to overdue maintenance.
⛔ Damage due to illegal activities - for example, a fire due to storage of hazardous substances.

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

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

In some cases, a separate garage is insured on your home insurance for your home. This usually applies if the garage box is on the same plot when your house is.

Check the policy conditions for:

✔ Or outbuildings (such as a garage) are included.
✔ Whether there is a maximum distance between your home and garage.
✔ Whether there are limitations for rented garage boxes .

📌 Note: Is the garage box in a different location than your home? Then a separate home insurance is required .

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

Not all insurance policies offer the same coverage. Note the following points:

✔ 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

Garage boxes run an additional risk of storm and fire damage, especially if they detached . Make sure your insurance covers this damage in full.

✔ 3. Think of extra coverage for burglary and vandalism

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

✔ 4. Check the new value or rebuilding value coverage

In the event of damage, your garage will be reimbursed on the basis of the rebuilding value . Make sure that this value is realistic and not too low.

💡 TIP: Insurers sometimes offer a premium discount if your garage is equipped with good security, such as a certified lock or alarm system.

5. 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 box - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Discount level - Extra coverage for burglary and vandalism can increase 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, without extra premium.
🔹 Garage box in a VvE -usually covered by the VVE-Opstal insurance.

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

6. Frequently asked questions about GarageBox Insurance

💬 Is a garage box compulsory insured through my home?
Only if the garage on the same plot as your home. Otherwise, separate insurance is required.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . Do you want to insure tools, a motorcycle or other items? Then you need a household insurance .

💬 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 can fall under the joint home insurance. Request this from the VvE manager.

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

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! 🚀

Storage insurance for your garage box: is it mandatory and what does it cover?

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

a home insurance for a garage box against unforeseen damage and financial risks. But is it mandatory? What exactly does it cover? And how do you choose the right insurance? In this blog we answer all these questions and help you make the best choice.

1. Is a home insurance for a garage box mandatory?

A building insurance for a garage box is in some cases mandatory and in other cases voluntary , depending on the ownership situation:

✔ With a garage box owned - a home insurance is not required by law , but highly recommended to cover damage.
✔ Garage box with mortgage - banks often demand that you take out home insurance if you have financed the garage box.
✔ Garagebox As part of a VvE - The Owners' Association (VVE) can have a joint home insurance that covers the garage box.
✔ Garage box as a separate unit (for example on a business park) - in this case a separate home insurance is needed , because a VvE is usually missing.

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

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

A home insurance covers damage to the garage box itself, but not the items in it. The exact coverage differs per insurer, but usually the following risks are covered:

✅ What is covered?

🔹 fire damage- coverage in the event of fire, smoke and extinguishing damage.
🔹 Storm and weather damage- In the event of damage caused by storm, lightning and hail.
🔹 Water damage - leakage due to rain or jumped pipes.
🔹 Burglary and vandalism - Damage to the garage itself due to a burglary attempt.
🔹 Collision damage - if someone accidentally hit your garage.

📌 Please note: a home insurance does not reimburse the content of the garage . Stuff such as cars, motorbikes or tools must be insured separately via a household insurance or vehicle insurance .

❌ What is not covered?

⛔ Stolen items from the garage - this falls under a household insurance.
⛔ Own damage due to poor maintenance - for example cracks in the walls due to overdue maintenance.
⛔ Damage due to illegal activities - for example, a fire due to storage of hazardous substances.

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

3. How do you choose the best building insurance for a garage box?

Not every home insurance offers the same coverage for a garage box. Here are a few important points of attention:

✔ 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

Garage boxes run an additional risk of storm and fire damage, especially if they detached . Make sure your insurance covers this damage in full.

✔ 3. Think of extra coverage for burglary and vandalism

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

✔ 4. Check the new value or rebuilding value coverage

In the event of damage, your garage will be reimbursed on the basis of the rebuilding value . Make sure that this value is realistic and not too low.

💡 TIP: Insurers sometimes offer a premium discount if your garage is equipped with good security, such as a certified lock or alarm system.

4. What does a building 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 box - the more expensive the garage, the higher the premium.
📌 The location - burglar -sensitive areas often have higher premiums.
📌 Discount level - Extra coverage for burglary and vandalism can increase 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, without extra premium.
🔹 Garage box in a VvE -usually covered by the VVE-Opstal insurance.

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

5. Frequently asked questions about building insurance for garage boxes

💬 Is my garage box insured through my home insurance?
Sometimes, but only if the garage is on the same plot as your home. Check this in your policy conditions.

💬 Does a home insurance also cover the items in my garage box?
No, the home insurance only covers the building itself . Do you want to insure tools, a motorcycle or other items? Then you need a household insurance .

💬 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 can fall under the joint home insurance. Request this from the VvE manager.

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

6. 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!

Conclusion: is a home insurance for a garage box mandatory and what does it cover?

A building insurance for a garage box is not required by law , but often necessary to limit financial risks in the event of damage. Fire damage, storm damage and burglary damage can entail high costs.

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