Renting out your garage

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 21, 2011

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Insurance Question from Lancaster, OH

Asked on 08/21/2011

Renting out your garage If buying a home and you rent out your garage does your homeowners insurance cover the renters possessions in case of fire, burgalary and the things a normal homeowners policy cover

Answer given on August 26, 2011

If you own the home, and rent out the garage, you need to make sure your insurance company will cover the garage when it is rented to others. Some insurance companies make an additional charge for this. Talk to your insurance agent about this. If there is a charge, it should be nominal.The belongings of the other person are not covered by your policy, unless you do something that is negligent, causing a loss. The renter should have their own insurance for their residence, and that policy will cover their belongings at the storage location. This is usually an automatic coverage, but they need to make sure their policy covers without an additonal charge. They should call their insurance agent to confirm this. If the property is not covered, they should be able to purchase this.You should have a written agreement with the tenant, since they could cause a loss to your property by negligence. You want to be sure they have insurance to protect you in this case.

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