Maintaining a home
Are garages covered by home insurance?
14 December 2022
Whether you need to make a claim or are reading up on insurance policies to find one that suits you, it’s important to know what you’re covered for. Most home building insurance policies will cover your garage, and contents insurance will cover the things inside it, but there are a few details to be aware of.
Does home insurance cover my garage?
Generally, permanent structures on your property like garages, carports, sheds, outbuildings and granny flats will be covered by your home insurance policy – and that includes all levels of Suncorp Home and Contents or Building Only Insurance policies (but not Contents Only insurance). Under a Suncorp Home Insurance policy, your garage is covered for loss or damage caused by insured events, including:
- storm (including hail)
- storm surge
- fire (including bushfire)
- earthquake and tsunami
- theft or burglary
- escape of liquid
- impact, and
- malicious acts and vandalism.
With our Classic Extras and Classic Advantages policies, you’re also covered for accidental damage around the home – think drops, knocks and spills – and this applies to your garage, too.
What if I only have contents insurance?
Contents Insurance is a great way to cover the things inside your garage – like your tools, bikes and Christmas decorations – but doesn’t cover the garage building itself. You’ll need home building insurance for that.
What if my garage is detached?
If your garage is detached and you’ve told us about it, it will be covered by your Suncorp Home Building Insurance.
Does home insurance cover theft from my garage?
If you have Suncorp Contents Insurance or combined Home and Contents Insurance, the things inside your garage will be covered for loss or damage caused by insured events including theft, burglary and vandalism – up to any limits set out in your policy.
Under your home building policy, you’ll also be covered for any damage to the garage itself caused by the break-in.
Is a broken garage door covered?
If your garage door is damaged in an insured event, it will be covered if you have Suncorp Home Building Insurance. You’ll be entitled to a repair, replacement or cash settlement if your claim is accepted.
What if the damage was caused by my car?
If you damage your garage door with your car, it will be covered by your Suncorp Home Building Insurance. If your car is damaged too, you’ll have to make a separate claim under your comprehensive car insurance policy.
Ensuring your safety
If damage to your garage door is the result of a theft, attempted break-in, or other crime, it might be a good time to consider strengthening the security of your home and garage.
Garage doors, like most things around the home, have a limited lifespan and require regular maintenance and upkeep. Getting your garage door serviced every few years is a great way to prolong its life and ensure it’s working as it should to keep you and your family safe.
Making a home insurance claim
The first step before making a home insurance claim is to make sure everyone is safe. In an emergency call 000. If you need temporary emergency repairs done to make you and your household safe, let us know when you claim and we’ll send a professional out ASAP.
Next up, take pictures or videos of the damage to upload with your claim.
Explore Suncorp Home Insurance
Not sure what’s covered under Suncorp Home & Contents Insurance? Use our interactive guide to learn more.
- Things you didn't know were covered by your home and contents insurance
- Suncorp Home Insurance claims: Assessment, repairs and settlement guide
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We do not insure you for bushfire, storm, storm surge, flood or tsunami in the first 72 hours of your policy. Very limited exceptions apply. Refer to the PDS for details.
Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. Target Market Determination is also available. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.
The information is intended to be of general nature only. Subject to any rights you may have under any law, we do not accept any legal responsibility for any loss or damage, including loss of business or profits or any other indirect loss, incurred as a result of reliance upon the information. Please make your own enquiries.