QuoteMonkey Detached Garage buildings insurance

Since 2011, we have been providing specialist insurance for standalone garages, whether they are used privately or let out (as long as they are not used for business purposes). Our policy can usually protect standalone garages against fire, theft, vandalism, storms, floods, and more, ensuring you are covered against unexpected events.

Unlike standard home insurance, this policy is specifically designed for garages that are separate from your main residence, offering coverage even if they are not part of any other insured structure.

Our insurance also includes public liability cover if you are found negligent in causing injury or damage to a third party. For example, if a loose roof tile from your garage falls and damages a parked vehicle or injures someone, this policy can help cover the associated costs.

You can insure multiple garages under one policy as long as they are located on the same piece of land. The policy can be arranged in an individual, business, management company, or pension name.

With competitive premiums and the ability to purchase your policy online, protecting your garage has never been easier.

Click Here To Get a Free Garage Insurance Quote Garage Insurance FAQs

What Does Our Garage Insurance Cover?

Our policy can usually protect standalone garages against the following risks:

✅ Fire and Smoke
✅ Explosion
✅ Lightning
✅ Flood
✅ Theft and Attempted Theft
✅ Storm
✅ Falling Trees and Branches
✅ Impact by Road Vehicles or Animals
✅ £2,000,000 Property Owners’ Liability Insurance – This covers you if you are found legally responsible for injury or damage to a third party. For example, if a falling roof tile from your garage damages a vehicle or injures someone, this policy can help cover the associated costs.

Public Liability Insurance for Garage Owners

Public liability insurance is included in our Garage Buildings Insurance to protect you if you are found negligent in causing injury or damage to a third party while they are on your property.

For example:
✅ If a visitor trips over a loose paving stone on your driveway or a structural issue with your garage causes damage to a parked car, your public liability insurance would cover the cost of compensation and legal expenses (if you are found legally responsible).

✅ If a storm causes part of your garage roof to fall, damaging a neighbor’s property, your liability cover helps protect you from financial claims.

This policy automatically includes £2 million Property Owners’ Liability Insurance, which extends to any connected hard standings and parking spaces associated with the garage. It also includes cover for the legal costs to defend against a claim.

Flexible Policy Options

Our policy is designed for a range of ownership structures, meaning the insurance can be arranged in individual, business, pension, or management company names.

Additionally, if you own multiple garages on the same piece of land, they can all be covered under a single policy for convenience.

Easy Online Purchase & Competitive Premiums

We offer competitive premiums, and you can quickly get a quote and purchase this policy online without hassle. Simply enter your garage details and receive a tailored quote in minutes.

Please click the button below if you would like a free instant insurance quotation which would be for an annual policy.

Get A Garage Buildings Insurance Quote Can't see the answer to your question, contact us here

Frequently Asked Questions – Garage Buildings Insurance

If your garage is separate from your main home or used for storage, tools, or as a workshop, buildings insurance is strongly recommended. It protects you financially if the structure is damaged by risks like fire, flood, theft, or storm.

Our policy covers up to £200,000 for structural damage to your garage caused by fire, flood, storm, vandalism, or theft. We also include accidental damage cover as standard and public liability protection up to £2 million.

Cover starts from just £145 per year. Your exact premium depends on factors like construction type, location, and usage of the garage. We provide quick quotes online with instant documents available upon payment.

No. Our detached garage buildings insurance only covers the structure itself. If you store valuable contents such as tools or vehicles, you may need a separate contents policy.

Yes. Every policy includes up to £2 million public liability cover to protect you if someone is injured on your property or if your garage causes damage to a third party's property. This includes the land immediately surrounding the garage, providing broader protection for incidents like slips, trips, or accidental damage.

Yes. You can insure multiple detached garages under one policy if they are at the same address or clearly linked. Just let us know during the quote process.

Yes. Accidental damage is included as standard, covering unintentional incidents such as putting a hole in the wall during maintenance or reversing a vehicle into the door.

Yes. Solar panels attached to your detached garage can be included in the policy, as long as your total buildings sum insured is sufficient to cover their value. Please mention this when getting your quote.

No. Our policy does not provide cover for garages used for business purposes. If your garage is used to operate a business or commercial activity, this type of policy would not be suitable.

Yes. You may let out your detached garage for personal storage use by others, as long as no business is being operated from the premises. Please let us know if the garage is rented out when requesting a quote.

Yes, there is a standard excess of £75 per claim. This is the amount you’ll pay toward the cost of any successful claim made on your policy.

Yes. We offer pro-rata refunds if you cancel your policy early and haven’t made a claim. Just contact our customer service team to process the cancellation.

Yes. As soon as payment is confirmed, we’ll email your certificate and full policy documents instantly. You can also download them from your customer account.

Our policy includes cover for damage caused by fire, theft, flood, storm, vandalism, and impact—unless specifically excluded in your policy wording. This gives you protection against many of the most common risks to detached garages.