What Insurance Do You Need For Your Lock Up Garage?

Category: Real Estate

The contents of garages across the country are worth a huge amount of money with people storing a huge range of items, keeping them safe and providing storage outside of the home. Whether you are storing your car, bicycles or any other items that need to be stored securely, you may be thinking about how you can make sure that they are protected. While our lock up garages can be a safe and secure place to keep your belongings, we can’t accept any responsibility for what you store. This is why we recommend that you take out insurance if you want to keep your items protected. 1. Will Home Insurance Cover Your Lock Up Garage? When it comes to home insurance, your garage is usually only protected if it is within the boundaries of your property. This means that if you are storing your belongings in a lock up garage, they are probably not going to be covered by your home insurance. This means that you will need to contact your insurance provider to discuss how you can keep your belongings safe by finding the right insurance for them. 2. Insuring Individual Items You may find that it is best to insure the individual items in your garage if you are storing high-cost items. Of course, you will likely have insurance on your car anyway, and you may actually benefit from storing it in a garage. However, there are other items that you may be storing in your garage that will need to be insured, such as your bicycle, workout equipment or musical instruments. This will give you peace of mind and ensure that should anything happen such as flooding or theft, you will be covered. 3. Keeping Your Lock Up Garage Safe There are plenty of things you can do to make sure that your lock up garage is safe and secure, something that could help you in the long run with any insurance claim you may need to make. At Lock Up Garages, we provide door locks which should be used. It’s important that you make sure to use these padlocks rather than replacing them with your own as these are an insurance requirement. If you want to use additional padlocks, you can apply for permission in writing. It’s also important that you keep an eye out for any potential damage and report it as things that are left can become more serious issues. For example, a small leak in the roof can turn into serious structural damage which could one day lead to your belongings being damaged if a heavy rain falls. It’s also worth thinking about whether you are effectively advertising the contents of your garages. If you have a motorbike in your garage and regularly bring it outside to work on it, those around you now know that a motorbike is stored inside, putting a temptation in the way of would-be thieves. It’s important to be aware of your surroundings when you are at your lock up garage, and to not show off your contents to those walking past. If you are thinking about keeping your belongings in a garage to keep them safe or to make more room in your home, get in touch with a member of our team who will be able to tell you more about our lock up garages.