Yes — a detached garage is covered under the ‘other structures’ part of your policy when a covered peril damages it, typically up to about 10% of your dwelling limit.
Usually Covered
By the Home & Dime Editorial Team · Updated 2026
What’s covered
- Fire, wind, hail, and fallen-tree damage.
- The structure itself; contents fall under personal property.
Common exclusions
- Wear, rot, and neglect
- Business use without commercial coverage
State considerations
High-value detached garages (with apartments or workshops) may need increased other-structures coverage.
Claim tips
- Document damage and cause.
- Verify your other-structures limit.
- List damaged contents separately for a personal-property claim.
Frequently asked questions
Is it separate from my home’s coverage?
Yes — it’s ‘other structures,’ usually ~10% of dwelling.
Are tools inside covered?
Yes, under personal property.
Related guides
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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