Things in your garage.....

      You can see the cars damaged in this garage fire due to an arsonist in Buffalo,NY.  But did you know that the insurance claim damage goes on their car insurance (comprehensive coverage) and not on the property/garage insurance? Things stored in your garage that are used for land or water conveyance need their own insurance policies. Let's say their was a boat stored in there....it needs a boat insurance policy to be covered!

What if there was an antique car someone was restoring that had no plates on it? The owner should have comprehensive only coverage on it for fire and/or theft....also not covered by garage insurance on the property insurance policy. Or if there was a 4-wheeler in the garage, that too needs it's own insurance policy to be covered. These are things your homeowner insurance policy isn't designed to cover.

Many consumers assume that because something is in a garage, that is where the coverage for a claim is - so VERY not true! They need there own policy to be covered for a fire loss, a theft loss or vandalism. So don't be that consumer that "assumes" coverage is there when it is not! Ask questions, ask questions, ask questions before you assume something!

Have a question?  Want a homeowner's insurance quote? Talk to me - tom@larseninsurance.com