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Homeowners insurance coverage and garage doors explained

Does Homeowners Insurance Cover Garage Doors?

Homeowners insurance coverage and garage doors explained

You’re about to head out for work in the morning and you’re still half asleep. You hop in your car, start the engine, and reverse out of your garage. Slight problem: you forgot to open the garage door. Now that you’ve accidentally dented your garage door, is your home insurance going to cover the repairs?

Well, it depends.

There are some factors that go into whether your homeowners insurance will cover repairs for your garage door. It’s important to go over your policy to understand what your insurance covers and what it does not. In most cases, your garage is considered part of your home and may be covered.

But there are still some instances where your insurance will hold you responsible for covering the cost. Know your policy and see what aspect of your home your garage door falls under.

Check your policy

Knowing your own policy is important and will help speed up the process to getting that insurance check. Having a better understanding of your homeowners policy will allow you to file a claim faster and be sure that you’ve made the correct decision. Before you file a claim, there are some things you should know.

  • Will the claim be worth the cost? With your insurance, there’s such a thing as too many claims. If you make a large number of claims, your insurance rates can go up causing you to pay higher premiums. The costs of your repairs may seem high now, but it may be worth it to pay out of pocket rather than filing another claim and paying higher premiums.
  • Is your garage part of your house? Insurance companies will have different policies when it comes to detached garages. Some consider them to be part of the home and fall under homeowner’s insurance while others consider them to be a separate building. If you have a detached garage, check your policy to see if your insurance considers it part of your home. This could play a role in whether the damages are covered.
  • Did you hit it with your car? If your garage door was damaged by your car, as shown in the opening scenario, your home insurance might not cover it. In this case, the coverage might fall under your auto insurance. Check your policy to know if your homeowners insurance covers auto damage to your garage and if not, find out if your auto insurance will.

When won’t you have to pay?

Luckily for you, most homeowners insurance policies cover your garage. This is not a catch-all, however, as there are some instances where you will have to pay. Here are some cases where the damages will probably be covered by your insurance.

If you or a family member accidentally cause the damages to the garage door it should be covered. If a third party or neighbor caused the damages, their insurance should pay for repairs. If your garage door has been vandalized, you will need to file a police report, but your insurance should cover the costs.

In the cases of storm or flood damage, it’s important to check with your insurance to know if you’re covered. Most insurance policies will cover natural disasters, but some will specifically exclude these risks. Check your policy to know for sure.

When will you have to pay?

Most of the time your homeowners insurance will cover the garage door, but if you cause purposeful damage to your garage door, you will be held responsible for repair costs. Along with that, if your policy excludes weather related risks, you may find yourself having to pay the repairs as well as if your garage is detached and your policy doesn’t cover it.

Wear and tear is a big aspect of garage door malfunctions. You may find that over the years, the wiring has worn away and your door no longer opens. Most home insurance policies do not cover cases such as this as it’s up to the homeowner to maintain the house.

If the damages to your garage door do not surpass the amount you have put down for your deductible, the insurance company will not pay for repairs. This means that if you have set down a $1,000 deductible but the repairs are $500, you will have to pay it out of your own pocket. If the costs of repairs are $2,000 and your deductible is $1,000, you will have to pay the first $1,000 yourself and you insurer will pay the other $1,000.

Each policy is different. It’s important to check your insurance policy and know specifically what they cover and to know if you’re covered.

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