When quoting a property, indicating the presence of a garage is essential for establishing accurate rebuilding valuations. Agents must specify garage details on the Property tab in the Agent Portal. Openly considers both attached and detached garages as a garage, and "Yes" should be selected if the home has either type.
Garage Types
Openly maintains a clear distinction between fully enclosed garages and open-air parking structures. Use the matrix below to determine how to mark the property in the Agent Portal.
| Structure Type | Qualifies as a Garage? | Portal Selection | Coverage Placement |
|---|---|---|---|
| Attached Garage | Yes | Select Yes | Included in the main dwelling valuation |
| Detached Garage | Yes | Select Yes | Evaluated via underlying property data |
| Carport | No | Select No | Covered under Coverage B (Other Structures) |
Underwriting
- Square Footage Exclusion: The square footage of a garage—whether attached or detached—must never be included in the calculation of the home’s main living area square footage.
- Carport Coverage: While carports do not satisfy the definition of a garage in the Agent Portal, they are fully protected under the policy's standard Other Structures allocation.
| Garage | Carport |
Endorsements
If a garage needs to be added, removed, or updated on an already-issued policy, this will result in a change to the premium. This endorsement must be completed by our Customer Experience team by completing this form.
For further assistance, contact us via our webform or Live Chat.
The above is meant as general information. This information does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to general claims handling steps, average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation.