What does Coach House insurance include?

Most importantly, garage insurance will include your legal responsibilities to the renter of the garages below. The legal liability of the owners must be included, and all garages that are part of the building must be included in the buildings insurance chart.

All garages must be listed on the title deeds for the property to be included in the garage building insurance schedule/element of the policy. Any content in the rental garages will not be covered, as such content will belong to a third party and not the policy holder, so the garage insurance will only cover the garage itself. The contents of your own garage will be included as standard, as these contents will belong to you, the policy holder.

You should also have impact and collision policy to protect the building from any damage caused by motor vehicles. Sometimes there is a driveway under a driveway property that provides access to the rear of the building and vehicle damage is a high risk; therefore, this is not something you need to compromise on.

All risks, such as fire, storm, flood, theft, subsidence, etc., are included as you would expect, just as they would be on an ordinary policy for a standard construction property, such as a single-family home. Most insurance policies will cover all risks; however, it is advisable to be sure to read the excesses of the policy. As standard, most policies will have an excess of £100, except for water leak claims and subsidence claims when you expect the excess to be slightly higher. Water release can range from £250 to £500 per casualty, and subsidence is typically £1000 per casualty.

You can also include all the usual optional extras such as accidental damage, personal effects and specific items.

The best practice is to have accidental damage to building elements at a minimum. One of the tenants might accidentally damage your garage door, and you might be asked to claim insurance. This is why it is wise to read up on policy excesses in advance: as the freehold owner of the property and the policy holder, he will have to pay the excess. Certainly, he could ask the lessee to pay or make a contribution, but depending on the deeds and contracts they signed at the time of purchase, he may not be required to make any contribution to the claim.

You can buy homeowners garage insurance if you rent your garage. You can also purchase vacant garage property insurance.

Simply put, your garage insurance policy will be similar to regular building and contents insurance with just a few adjustments to the building elements.