Can Home Insurance in Oklahoma City Help if Your Garage Gets Broken Into?

When Kelly stepped into her garage on a Monday morning, something felt off. Her lawnmower was gone. So was her mountain bike—and the expensive set of tools her dad gave her years ago. The side door had been jimmied open. Her stomach dropped. “Is this even covered?” she wondered.

It’s a common question—especially in Oklahoma City, where detached garages, carports, and backyard sheds are part of everyday life. So let’s get into it: If someone breaks into your garage and takes your stuff, will your home insurance help?
​
The answer: it depends.

get the best okc home insurance!

​Start with Personal Property Coverage

Most standard home insurance policies in Oklahoma include personal property coverage, which typically covers theft—whether it happens inside your house or in a detached garage. So if someone steals your tools, bikes, or gardening equipment, you’re likely protected.

​But here’s the catch: there’s often a sub-limit for items stolen from detached structures. And that limit might not be enough to cover everything.

Common Personal Property Limits for Outbuildings

• Some policies cap stolen property coverage for detached structures at 10% of your dwelling coverage.
  
• That means if your home is insured for $250,000, your coverage for stolen property in your garage might only be $25,000.
  
• High-value items (like e-bikes, expensive tools, or hunting gear) may also be subject to special limits or require separate riders.
  

What If They Break the Door or Damage the Garage?

Now you’re dealing with structure damage too. The good news? This is usually covered under your dwelling coverage or other structures coverage, depending on how your policy is written.

• If the thief broke the door or window to gain entry, the cost to repair it might be covered.
  
• Detached structures like standalone garages are usually protected under Coverage B: Other Structures.
  

Just remember: your deductible still applies. If the damage is less than your deductible (often $1,000 or more), you’ll have to pay out of pocket.

​What If You Use Your Garage for a Side Business?

Here’s where things get tricky. If you’ve got inventory, tools, or equipment in your garage for a home-based business—think woodworking, mechanics, or even a dog grooming setup—your homeowners policy may not cover stolen business property.
​
In that case, you may need a separate in-home business rider or small business insurance to be fully protected.

Pro Tip: Document Everything Now (Before Something Happens)

Whether you store bikes, camping gear, tools, or collectibles in your garage, make a quick inventory:

• Snap photos of everything.
  
• Keep receipts or write down estimated values.
  
• Store the list in a secure digital folder.
  

This helps speed up the claims process and makes it easier to prove what you’ve lost.

Let’s Talk About What Your Policy Really Covers

If you’re not sure where your coverage stands, or you’ve added new valuables to your garage recently, it’s a good time to get a second look.

Oklahoma Insurance Professionals is an independent insurance agency right here in Oklahoma City. We can help you understand your current coverage and compare quotes from multiple carriers—so you’re not stuck guessing if your garage break-in is covered.
​
Reach out today for a free homeowners insurance review—and get the peace of mind that comes with knowing what’s protected and what’s not. We serve homeowners in OKC and surrounding areas with insurance solutions that fit your real life.

get the best okc home insurance!

---

Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​