1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Renters insurance covers your belongings whether they are in your garage or in your apartment or wherever they are as long as the loss is covered under the policy subject to your deductible.  It has to be a covered peil such as fire, theft, vandalism, lightening, wind or other perils specified in your policy.
    Answered on May 13, 2013
  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A renter’s policy does not cover structures.  It is designed to cover personal property located inside a residence.  To the extent that the garage is a part of the house, or is located on the property and contains your personal property, those personal property items should be covered.  Please discuss this with your agent when the policy is being written.
    Answered on June 2, 2014
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