{"id":2963,"date":"2026-06-08T16:46:27","date_gmt":"2026-06-08T16:46:27","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=2963"},"modified":"2026-06-08T16:46:28","modified_gmt":"2026-06-08T16:46:28","slug":"detached-garage-home-insurance","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/homeowners-insurance\/detached-garage-home-insurance\/","title":{"rendered":"Is a Detached Garage Covered Under Homeowners Insurance?\u00a0"},"content":{"rendered":"
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If a Georgia storm sends a tree crashing through your detached garage roof,\u00a0you\u2019ll\u00a0likely wonder\u00a0whether your\u00a0<\/span>homeowners insurance policy<\/span><\/a>\u00a0will pay for repairs. The short answer: yes, most standard policies do cover detached garages, but you should not assume your detached garage is automatically covered as a separate structure unless it is specifically listed or clearly included in your policy.<\/span>\u00a0<\/span><\/p>\n

In a typical\u00a0<\/span>HO-3 homeowners policy<\/span><\/a>, a detached garage is considered a ‘separate structure’ under Coverage B (other structures coverage), not Coverage A (dwelling coverage). Policies often differentiate between attached and detached structures, which can\u00a0impact\u00a0coverage limits and how claims are handled. Coverage for detached garages is typically set at 10% of the dwelling limit in\u00a0homeowners\u00a0insurance policies.<\/span>\u00a0<\/span><\/p>\n

This means your garage is usually covered for sudden, accidental events like fire, windstorm, hail, theft, or vandalism. However, damage due to wear and tear, neglect, or pest infestations is not covered by\u00a0homeowners\u00a0insurance for detached garages. The same deductible that applies to your primary dwelling usually applies here too.<\/span>\u00a0<\/span><\/p>\n

However, the coverage amount is limited. If your garage is a finished multi-bay workshop or includes upgraded electrical and plumbing, the default limit may not be enough. Always review your\u00a0homeowners\u00a0policy\u00a0closely to ensure that your detached structures are specifically listed or clearly included in your coverage.<\/span>\u00a0<\/span><\/p>\n

Detached vs. Attached Garages<\/span><\/b>\u00a0<\/span><\/h2>\n

The distinction between attached and detached garages directly affects how your insurance company handles a claim.<\/span>\u00a0<\/span><\/p>\n

An attached garage shares a roofline or wall with your house.\u00a0It\u2019s\u00a0insured under dwelling coverage (Coverage A) and has access to your full dwelling limit, often hundreds of thousands of dollars.<\/span>\u00a0<\/span><\/p>\n

A detached garage is physically separated from your home, even if connected only by a breezeway.\u00a0It\u2019s\u00a0insured under other\u00a0structures\u00a0coverage (Coverage B), which is\u00a0generally set\u00a0at 10% of your dwelling limit in homeowners insurance policies. Both types typically share the same policy deductible, but the coverage limits differ significantly.<\/span>\u00a0<\/span><\/p>\n

For example, with a $350,000 dwelling limit,\u00a0you\u2019d\u00a0have\u00a0roughly $35,000\u00a0for all other structures. If a fire damages both an attached and detached garage simultaneously, the attached\u00a0portion\u00a0draws from the larger $350,000 pool while the detached structure is limited to that $35,000 cap. If you have multiple structures, such as a detached garage, shed, or greenhouse, you may need to increase your other structures coverage limit to ensure enough protection for all detached buildings.<\/span>\u00a0<\/span><\/p>\n

What Is Other Structures Coverage (Coverage B)?<\/span><\/b>\u00a0<\/span><\/h2>\n

Other structures coverage<\/span><\/a>\u00a0is a standard part of most\u00a0<\/span>homeowners insurance policies<\/span><\/a>\u00a0and protects buildings and features on your property that\u00a0aren\u2019t\u00a0physically connected to your home.<\/span>\u00a0<\/span><\/p>\n

Common structures insured under Coverage B typically include:<\/span>\u00a0<\/span><\/p>\n