Your garage is included in homeowners coverage...

But not it's contents! You have 10% of your home's insurance for "other structures", garage, shed. pool house, so $300,000 home = $30,000 on the garage. But the contents of the garage probably should be insured separately! Things like dirt bikes, Quads, boats, skidoo's, snomobiles, pop-up trailer's, that classic car you've been working on, they all need it's own insurance policy.

We once had a homeowner client, who stored an camper in his garage and the weight of ice/snow collapsed the garage roof and damaged the camper. Insured called with a claim and guess what? Found out he wasn't covered on his camper - he had assumed what was in the garage was covered, when it is not. Just because it is in the garage, doesn't mean that coverage on your homeowner policy extends to the contents, it does not.

​Make sure the things in your garage have insurance coverage.