Home Insurance in Oklahoma City: What Happens If Your Garage Gets Damaged?

After a spring hailstorm in Moore, the Stevens family discovered major damage to their detached garage. The roof had holes, the siding was shredded, and water leaked onto tools and boxes inside. They assumed insurance would cover everything—but they didn’t realize detached garages fall under “other structures” coverage, which had a much lower limit.
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Garages are one of the most overlooked parts of home insurance. Whether it’s attached to your house or sitting separately on your property, your garage often holds expensive items—cars, tools, appliances, and even freezers full of food. Knowing how coverage applies in Oklahoma City can save you from major financial surprises.

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Attached vs. Detached Garages

The first question is simple: is your garage attached to your home or not?

• Attached garages are typically included under dwelling coverage. If your home is insured for $250,000, that same limit applies to the garage.
  
• Detached garages usually fall under “other structures” coverage, often capped at 10% of the dwelling limit. That means only $25,000 of coverage on a $250,000 home—even if the garage and its contents are worth more.
  

Common Garage Risks in Oklahoma

Oklahoma homeowners face unique risks that put garages at higher risk of damage.

• Hailstorms – Roofs, siding, and windows on garages take a beating every spring.
  
• Tornadoes and windstorms – Detached structures are more vulnerable to being torn apart.
  
• Fires – Garages often house flammable items like gasoline, tools, or propane tanks.
  
• Water damage – Storm runoff and leaks can ruin stored belongings.
  

Coverage for Garage Contents

Here’s where it gets tricky. Cars are not covered under home insurance—they require auto insurance. But tools, appliances, and personal belongings inside your garage usually fall under personal property coverage. The key is making sure your limits are high enough.

Exclusions to Watch For

Insurance won’t cover everything. Exclusions may include:

• Wear and tear on old garage roofs
  
• Flooding from heavy rains (requires separate flood insurance)
  
• Damage to business equipment stored in a home garage without special coverage
  

​Why a Policy Review Matters

Most homeowners don’t think about their garage until it’s damaged. That’s when they discover coverage limits aren’t high enough. Adjusting “other structures” coverage or adding endorsements is often inexpensive but makes a huge difference after a claim.

Local Help for Oklahoma City Homeowners

At Oklahoma Insurance Professionals, we help families in Oklahoma City and surrounding areas like Edmond, Norman, and Moore review their home insurance for hidden gaps. Your garage isn’t just a shed—it’s an important part of your property, and it deserves proper protection.
Contact Oklahoma Insurance Professionals today to review your home insurance and make sure your garage and its contents are fully covered before the next Oklahoma storm hits.

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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. ​​​