What is a Built-In Garage vs. Attached Garage vs. Detached Garage vs. Carport
With home insurance, the construction type of your garage can affect your overall insurance premium. Garage type is relevant because a home insurance carrier or agent wants to make sure your home carrier coverage limits up to replacement cost. Replacement costs should include the cost to rebuild your garage.
There are four main garage types:
1. Built-In Garage (Coverage A)
A built-in garage is similar to an attached garage with one key difference: the garage is built into the living area and has living space directly above the garage.
Built-In Garage Examples:
2. Attached Garage (Coverage A)
The attached garage is the most common garage type. The garage is attached to the main home, but there is no living space above the garage.
Attached Garage Examples:
Detached Garage (Coverage B)
A detached garage is not structurally attached to the main home structure. It still has four walls and a roof. The coverage for this garage falls under Coverage B: Other Structures, so make sure you have enough coverage under Coverage B in your home insurance policy.
Detached Garage Examples:
Carport (Coverage A or Coverage B)
A carport can be attached to the main dwelling structure (Coverage A) or off standing on its own (Coverage B). A carport is usually just a roof with wood pillars or other supports, but is missing some walls and has no garage door. They are more common in pleasant weather regions of the US.
Attached Carport (Coverage A)
Detached Carport (Coverage B)
Now you know how to identify garage construction types like an expert! You can read more about what types of garages are covered by your homeowners insurance.
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