Detached garages are among the most valuable structures covered under other structures coverage. Because they often house vehicles, tools, and storage systems, damage to these buildings can result in significant repair costs.
Coverage applies to the structure itself, including walls, roofing, doors, electrical wiring, and permanent fixtures. Personal belongings inside the garage are covered separately.
Claims for detached garage damage follow the same process as other structures claims. Covered perils trigger coverage, deductibles apply, and valuation depends on policy terms.
Detached garages with living space above or within them may be subject to special rules, particularly if rented or used frequently by others.
Homeowners should ensure detached garages are accurately reflected in coverage limits, especially if they are large or custom-built.
Understanding how other structures coverage applies to detached garages helps homeowners avoid coverage shortfalls after damage.
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