What is the general rule regarding insurance coverage for items stored in a detached garage?

The general rule regarding insurance coverage for items stored in a detached garage depends on the type of items stored there. This is because different policies have specific provisions regarding coverage for personal property and detached structures.

For homeowners insurance, personal property stored in a detached garage is typically covered, but certain types of items may have limitations or exclusions. For example, high-value items such as jewelry, art, or collectibles may not be fully covered or may require additional endorsements. Similarly, if the items are used for business purposes, they might not be covered under a standard homeowners policy.

On the other hand, detached structures themselves might be covered under the dwelling coverage in a homeowners policy, but the contents may have different coverage limits. Therefore, it’s crucial for policyholders to be aware of the specifics of their policy, including how different types of items are treated when stored in a detached garage. This nuance in coverage makes it clear that not all items are equally protected, thus leading to the conclusion that coverage indeed depends on the item type.