Garage Policy and Coverage for Property of Customer

May 23, 2011

The insured has a garage coverage form with symbol 27 and 30 to describe covered autos. The customer's vehicle was vandalized while in the insured's care custody and control. In addition, items were stolen from the vehicle and the loss included camping gear and a surf board. Are these items covered under the garage form policy?

California Subscriber

The camping gear and the surf board are not auto equipment so the garage policy won't apply to that loss. The garagekeepers coverage in the garage policy applies to damages for loss to a customer's auto or customer's auto equipment left in the insured's care. So, this coverage does not apply to all of the personal property of the customer that may have been left in the auto; the coverage is only for auto equipment, such as a jack or spare tire