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Are items in your garage or shed covered?

Mar 31, 2015 1 minute read

As a homeowner, you want to protect the things you care about. Have you ever wondered if items stored in your garage or shed are covered by insurance? Such items can include your lawn mower, tools or patio furniture in storage.

Good news! In addition to your home insurance policy covering your home, it also covers the items in your garage and other structures on your property such as a shed. Your home policy extends its contents coverage to your attached garage. Home insurance provides coverage for damage or loss of personal items in your home. A detached garage or shed has its own limits under your home policy as a structure, be sure to discuss with your broker to learn more.

A home inventory checklist can help you keep track of your belongings. In the event of damage or loss to your property, you can reference your home inventory list. In addition to compiling a list of items, you should also take pictures of your home, garage and any other building on your property. This will help prove ownership of items, but can also help document any items you may have missed on your list.

It’s always a good idea to talk to your BrokerLink Broker to find out more information about coverage for specific items in your garage or shed. You may also want to discuss what you would need to do in the event a loss occurs and you need to file a claim.