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Does Renters Insurance Cover Garage Doors? Everything You Need To Know

Does Renters Insurance Cover Garage Doors?

Most people know that you need renters insurance to protect your possessions from things like damage from fire or theft. But do you also need it to cover damage to your building itself? In other words, does renters insurance cover garage doors? You may be surprised by the answer!

Does renters insurance cover garage doors? If you don’t already have renters insurance and are looking to get a policy, you may wonder if it covers anything. Most policies won’t cover damaged doors or garage door repairs but they may cover damage to the parts of your home that the door may hit. When selecting a policy, you’ll have to consider what you want included in the policy and what premium you’re willing to pay.

Here’s everything you need to know about whether renters insurance covers garage doors, plus some tips on making sure you have enough coverage if it does.

Accidents Happen

Whether you’re a renter or homeowner, garage doors are prone to malfunctioning and breaking. There are many different reasons for malfunctioning—the most common being misaligned tracks and springs. Homeowners insurance should cover damage done by your garage door, but will it cover all of it? What if you’re renting and something happens in your landlord’s garage that hurts you or your car—will renters insurance help pay for damages there as well? This can be not very clear, but here’s what you need to know…

Renters insurance won’t cover accidents occurring in your landlord’s garage if you rent your home because they don’t belong to you. If anything were to happen on their property, it would likely fall under their insurance policy rather than yours. Of course, accidents can happen anywhere, so keep reading for answers about whether or not homeowners insurance covers garage doors…

What Does Renters Insurance Include?

Many renters are under false impressions about what renters insurance covers and what it does not cover. One of these is, does renters insurance cover garage doors. That’s a question that anyone considering adding a layer of protection to their personal belongings should know about.

Here’s everything you need to know about whether or not your policy will protect your garage door from damage or theft.

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We recommend calling your insurance agent directly to get answers tailored to your situation if you have any questions. We also recommend using our quote comparison tool to see how much renters insurance costs in your area before calling an agent. In most cases, there won’t be any charge for getting answers directly from an expert on homeowners or renters insurance in general—but some agents do charge for answering specific questions about coverage on particular policies.

How Do I Know If My Policy Covers Damage Due to Fire, Smoke, etc.?

When you’re buying renters insurance, look for a policy that has a value of at least $30,000. Suppose you own your car and other valuable property. You may want to consider a higher coverage amount (this is something to discuss with your insurance agent). Of course, suppose you have more than one house or apartment in different states.

In that case, it might be worth considering additional coverage. In that case, talk to an agent about umbrella policies. For example, some will cover up to $1 million worth of personal belongings and $1 million in liability protection. Finally: don’t forget to ask about discounts! Some policies offer discounted rates for certain groups,like students or people who buy their homeowners/renters insurance from their auto insurance company.

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Does Renters Insurance Cover Damages to Garage Door?

Homeowners are more likely to have a garage than renters and need coverage for their garage door. All homeowners’ policies, including renters insurance, cover damage caused by storms or other natural disasters. However, things get complicated when it comes to mechanical issues that affect garage doors.

Whether your policy will cover repairs or replacements caused by a faulty part rather than a storm is the main question. This depends on whether you report your claim right away and what kind of policy you purchased. Here’s how it works: When you file a claim with your insurer, they will review your policy to determine what constitutes an act of God versus a man-made issue with your home. If your claim falls under an act of God, then it won’t be covered by your policy. Suppose it’s determined to be a man-made problem.

You’ll need to pay out of pocket for repairs or replacement costs because claims aren’t typically covered in most standard policies. Most standard renters insurance covers only losses caused by fire, lightning, windstorm and hail—but not all companies offer extended protection plans (EPP) that include additional weather events such as tornadoes or earthquakes. These extra plans often cost less than $20 per year. Still, they can provide valuable protection against unforeseen weather events in some areas where these disasters occur frequently.

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What Does Renters Insurance Cover?

Depending on your policy, renters insurance may cover damage to you or your belongings on someone else’s property. For example, suppose someone would walk into a glass table and accidentally break it, causing shards of glass to fall onto your laptop. In that case, renter’s insurance may help pay for repairs—it all depends on what type of renters insurance you have and whether or not your landlord has rented out his place with special limits.

If he has (and most landlords do), expect it to be fairly limited and will only protect certain things in a certain way. If not, you have full coverage and can submit a claim for any item damaged by an incident while renting. When getting a renters insurance quote, you should always check how much coverage is provided for different losses.

Does Homeowners Insurance Cover Garage Doors?

Homeowner’s insurance can cover damage to a garage door from various sources. If a tree falls on your garage and smashes your door, it may be covered under property damage coverage. But sometimes, you’ll need to purchase an endorsement for either personal property or liability coverage to get coverage for your garage door. Check with your insurance agent before purchasing or adding any endorsements. Some states have laws requiring that garage doors are included in homeowners’ policies, but most do not.

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What Damages are Covered Under Renters’ Insurance?

Renters’ insurance will cover your belongings in case of any disaster. But, it won’t cover floods or damage that results from fires that are started within your rental property (that would be covered under a separate policy). It also doesn’t cover liability. For example, if you accidentally set fire to your apartment building and someone is injured because of it, renters’ insurance wouldn’t pay for any resulting damages or lawsuits. For protection against these things (called additional living expenses), you’ll need to consider purchasing additional coverage called a personal liability umbrella.

How Much Does Renters Insurance Cost?

The average cost of renters insurance varies depending on where you live, how much coverage you want, and whether or not your landlord’s insurance covers any of your possessions.

How to Make an Insurance Claim on Your Garage Door

Many different factors determine what might be covered on your renters’ insurance policy, so look at your policy to see if you have it. Garage doors can be damaged by storms, vandals, and even wind. Be sure to report any damage right away and make sure you save all documentation related to your claim. Once you’ve filed your claim, most companies will send out an adjuster who will come and inspect your garage door for damages. Once they’ve completed their inspection, they’ll give you an estimate of how much it will cost to fix or replace your garage door. Some companies may offer the same cash financing options, which allow you to get back up and running in no time!

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Does Renters Insurance Cover Garage Doors? FAQs

Q. Does renters insurance cover garage doors?

A. Yes. Renters insurance covers the cost of repairing or replacing your garage door and moving it to a new location. The policy also covers the cost of repairing or replacing any locks on the door. However, it will not cover the cost of repairing or replacing a garage door opener, which is considered an accessory to your home.

Q. Does renters insurance cover break-ins?

A. Renters insurance covers break-ins as well as theft from your home. The policy will pay for reasonable expenses incurred by you as a result of these incidents, such as hotel bills and police reports. It may also pay for loss of use if you are forced out of your home because it can’t be lived in temporarily due to fire or water damage caused by a break-in or theft.

Q. Does renters insurance cover earthquakes?

A. Renters insurance covers earthquakes only if they are caused by windstorms or hail in most states (some states consider earthquakes an “act of God”). This means that if an earthquake causes damage to your home, then you would be covered under your renters insurance.

Q. Is Renters Insurance Enough to Cover Your Garage Door?

A. Renters insurance can provide coverage for your garage door. Many policies include $1,000 to $2,000 in coverage for residential property. This will pay to replace or repair the door if it’s damaged by fire or other causes.


Renters insurance is a kind of secondary insurance that covers a variety of utility bills, merchandise, and other property you may have accumulated. Because most renters never use their insurance, chances are they either don’t know what their policy covers or they simply think it doesn’t really matter. The truth is that renters insurance can be used to replace your garage door in the event that disaster strikes, which is why it’s important to take time to know exactly what your policy offers and what it will cover given your individual needs.

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Precious Eberechukwu

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