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.