If I’m self employed and my garage burned down with my tools and other personal items in it, does my homeowner’s policy cover it?

Or is it a total loss?

Asked on November 1, 2013 under Insurance Law, Illinois


Anne Brady / Law Office of Anne Brady

Answered 7 years ago | Contributor

Whether you fire damage is covered is going to depend on (1) what the policy says about such events and (2) whether you negligently caused the fire.  If you were operating a business in your garage and this is not a permitted use of the premises according to the policy, you will not be covered.  You need to contact your insurance agent to determine whether you have coverage for this unfortunate fire.

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