That was horrible what happened to the poor homeowners last night off Elmwood in Buffalo. Unsuspecting garages being torched by some sick individual for what?
Luckily, homeowners insurance should cover it all, since 10% of the homeowner insurance goes to cover other structures, like a garage. So if the house is insured for $500,000, then the homeowner will have $50,000 coverage on the garage.
Unfortunately, the auto's inside the garage would be a separate claim on their car insurance, as they are never covered by homeowner/garage insurance. It was lucky that no one was hurt in this awful series of incidents.