Sturdy garage doors are an essential component of your home, protecting the things you store in your garage from natural elements and intruders alike.
As important as they are, most home insurance policies do not cover damage to or theft of your garage door.
Whether you’re about to add a new door or you just want to make sure it’s safe from harm, here’s what you need to know about home insurance and garage doors.
Are garage doors covered by home insurance? Here’s what you have to know.
Here is a break down of what we will be covering today.
Are garage doors covered by home insurance?
While most homeowners’ policies do cover garage door damages, they may not cover all circumstances.
Your coverage will vary based on your policy and whether your state has enacted specific garage door regulations that require certain coverage.
Check with your insurance company to learn more about how your policy applies to garage door damage and whether you’re at risk for having no coverage in certain situations.
To find out if your garage door is protected under a new policy, ask these questions:
Do I have comprehensive coverage?
What does my comprehensive coverage include?
Is there anything else I should know about my garage door and comprehensive coverage?
How much can I expect to pay out of pocket if something happens to my garage door?
Does my policy have a deductible?
If so, what is it?
Are there any exclusions that could affect me when it comes to garage door damage (e.g., weather-related incidents)?
How much will it cost me per month for comprehensive coverage of my garage door?
If you want help getting answers to these questions, talk with an agent today!
How to make a claim for your garage door?
Many garage door owners don’t realize that their insurer may cover more than just their living space and auto.
If your garage door is damaged during a thunderstorm, it’s likely that your personal property inside will be damaged, too.
When making a claim for your garage door, be sure to keep all of these things in mind: include pictures of everything when making your first claims report; contact neighbors who can verify damage to their homes; gather repair estimates before filing a claim—insurers may require them.
Most importantly, don’t try to fix things yourself without talking to an adjuster first! You could do more harm than good and miss out on crucial coverage if it isn’t properly filed.
It’s also important to know that some homeowners policies have a separate limit on personal property within structures like garages or sheds.
Check your policy details carefully to see how much coverage you have and whether there are any exclusions related to garage doors.
The majority of home insurance policies have no limit on contents within garages or sheds because they are considered structures, not part of the main building itself (even though they are attached).
In addition, there are no limitations placed upon what can be stored in a garage, so long as it doesn’t cause structural issues like sagging floors or walls.
Garage contents can range from motorcycles and cars to boats, ATVs, bicycles, camping gear and sports equipment.
Tips for keeping your garage safe
In addition to installing a garage door monitoring system, there are some other things you can do.
First, don’t leave valuables visible in your garage and keep your keys on your person whenever possible.
Having a monitored alarm installed is also recommended because it will alert authorities in case of a break-in or attempted burglary.
While there’s no way of guaranteeing that a burglar won’t attempt to gain access through your garage, especially if they have prior knowledge of your schedule and when you might be out for an extended period of time, these steps will significantly increase security in most situations.
If someone does manage to get into your garage and attempts to steal something, contact police immediately and provide them with as much information as possible.
Even if nothing was stolen, reporting attempted break-ins is important because they may help prevent future crimes against others in your neighborhood.
And finally, check your homeowner’s policy: Most cover at least part of any losses sustained from theft within garages. However, it’s always a good idea to double-check before filing a claim.
Finding a company for garage door repair or replacement
If your garage door has been damaged, it can be tempting to just pay a low price for quick garage door repair.
However, many homeowners are surprised when they learn that their garage door isn’t actually covered by their home insurance policy.
Garage doors are not considered part of your dwelling and therefore aren’t covered under typical homeowner’s policies.
If there was damage caused inside your garage or to a car that was parked in your garage, however, then your home insurance might cover it if they determine that theft wasn’t involved.
The best way to avoid a disaster is knowing whether you have coverage before any damage occurs. It’s always better to be safe than sorry!
FAQs on Are Garage Doors Covered By Home Insurance
Does homeowners insurance cover garage door damage by your car
Homeowners policies are meant for damage caused by everything from falling trees and leaky roofs to fire and theft.
However, these types of coverages don’t always apply when it comes to people driving their cars around in residential areas.
Garage door collisions can lead to costly litigation if there are injuries or damage exceeding $50,000.
Home insurance door replacement
A garage door is also one of those things that’s part of your home’s structure, which means it should be covered under your homeowner’s insurance policy.
Garage door replacement cost
Replacing a garage door isn’t unreachable, especially if you prepare ahead of time and know what to expect.
In fact, depending on your situation, it might not even be an additional cost for you because your policy may already cover replacing your garage door as part of your home coverage.