Thomas Garrard was born at Gretna, Macquarie Plains, Tasmania, on 10 Jan 1857, the elder son of Rev. Thomas Garrard and his wife Jane Sarah Badcock. Thomas, along with his brother George, was a keen cricketer, playing for several clubs both near Hobart and then later in Launceston. He was captain of the Lefroy Cricket Club for six years until his move to Launceston in Jan 1889.
Thomas married 29-year-old Florence Ada Collins, daughter of Charles P Collins and Isabella Anderson, on 3 Jan 1903 at St John's Church, Launceston. Thomas was a draftsman in the Lands and Survey Department in Launceston. Their five children were all born in Launceston between May 1903 and Mar 1919.
Thomas was a keen breeder of dogs, particularly Airedale Terriers, which he showed with success. He was a keen member of the Launceston Workingman's Club, of which he was president, committeeman, house steward and life member. Thomas died on 2 Jun 1940 in the Launceston General Hospital from injuries he received after being knocked down by a car on the corner of Invermay Road and Forster Street. He was 83 years old. The funeral left his residence, 4 Rooms Avenue, Newnham, before he was buried at Carr Villa, E1 No. 657. His wife Florence died on 28 Aug 1962 in Shepparton, Victoria.