Does Homeowners Insurance Cover Garage Doors? Facts & FAQ
If you had a run-in with your garage door, you may be wondering if it is covered by your homeowners insurance policy. The answer is yes, in most cases. There may be circumstances, however, that exclude the garage doors from coverage.
What Is Homeowners Insurance?
A standard homeowners insurance policy protects homeowners from loss associated with things like theft, fire, and vandalism. The policy’s personal property coverage will replace belongings and furnishings in the home. Coverage on the dwelling replaces or repairs damages to the structure. The liability coverage of your homeowner’s policy protects you from legal liability for things like someone getting injured on your property.
In addition to a standard homeowner’s policy, there are add-ons called riders that can be purchased for an additional premium. A rider can cover valuables like jewelry, art, or antique cars since a standard policy will exclude or limit the coverage on such items.
If your garage is detached from the home, it may be listed as “other structures” on your homeowner’s policy and the coverage may be limited.
When Is the Garage Door Covered by Homeowners Insurance?
There may be times when homeowners insurance may deny a claim for replacing or repairing a garage door. It will depend on the company and the coverage. Let’s look at some circumstances that the doors would be covered and times they may not.
As you can see, there are times when your homeowners insurance will repair or replace your garage doors. There are times when they are excluded, however. It is always a good idea to discuss any questions or concerns with your agent. You may be glad you did. You do not want to find out something isn’t covered when the damage is already done.
Featured Image Credit: Vitalii Vodolazskyi, Shutterstock