Does Homeowners Insurance Cover Garage Doors?

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Every insurance policy is different and frequently customizable to your coverage needs. Before an accident occurs, understand what your insurance policy will cover. Read your policy to understand what is covered, and make changes if you want more coverage for items such as your garage door

Does Homeowners Insurance Cover Garage Doors?

This article about Does Homeowners Insurance Cover Garage Doors? Is it even regarded as a part of the house?

We understand your concern because repairing or replacing something can be costly. Garage doors are subjected to a great deal of wear and tear. After all, protecting your garage and home requires a great deal of strength and care! Accidents happen, even if you have a high-quality garage door that lasts several decades.

The weather may cause damage to your garage, or your children may collide with the garage door while playing hockey. Whatever the case, it will almost certainly need to be repaired. While each homeowner's insurance policy differs, garage door repairs may be covered under certain conditions. For those of you who are unfamiliar with homeowners' insurance, here is a quick overview. Also Read: How to Fix a Sliding Closet Door

How to Determine If Your Insurance Covers Garage Door Damage?

Every insurance policy is different and frequently customizable to your coverage needs. Before an accident occurs, understand what your insurance policy will cover. Read your policy to understand what is covered, and make changes if you want more coverage for items such as your garage door.

The language used in policies can be confusing at times, so contact your agent for assistance in understanding your coverage. The majority of garage door damage is covered by insurance.

Does Homeowners' Insurance Cover My Garage Door Repair or Replacement?

Garage doors can withstand a lot. After all, safeguarding your garage and home necessitates high durability and care! Accidents can happen even with a high-quality garage door that will last you 10-15 years. Your children may collide with the garage door while playing hockey, or your garage may be damaged by severe weather—regardless of the reason, you'll most likely need to have it repaired. Those who have homeowners' insurance may be able to receive money to help pay for a repair or replacement. Isn't your garage a part of your house? While each policy is different, your homeowners' insurance may sometimes cover garage door repairs. Also Read: spalling concrete repair cost

In what situations will my homeowners' insurance cover for my garage door repair/replacement?

Damage from vehicles

Have you or a family member driven into your garage door by accident? Winter weather doesn't always make parking easy, especially if there is ice buildup on your driveway. Fortunately, there is good news!

Most homeowners' insurance will cover vehicle damage, but check your individual policy to be sure. What if a guest accidentally hits your garage with their car while visiting your home? If someone damages your garage with their vehicle and they aren't part of the family living in your household, their auto liability insurance should cover it for you! Also Read: How to Make Ceramic Tile Shine

Natural Disasters

Severe weather can be tricky when it comes to homeowners' insurance coverage. If your garage door is damaged by hail or wind-blown debris, your insurance will likely cover some of the repair costs. It's important to read your policy carefully because some things you'd think would be covered are not!

For example, if your garage door is damaged by a natural disaster such as an earthquake or flood, you may be stuck paying for the repairs yourself. The best bet is to check your policy to see what will be covered. Also Read: Saw toothed roof

Vandalism or Break-In

It's likely that your homeowners' insurance will cover malicious activity; this includes things like graffiti and other vandalism, especially scarier situations such as break-ins. If someone breaks into your home through your garage, your insurance will likely cover the cost to repair it (of course, you'll want to double-check). Also Read: Leaf Filter Vs Gutter Helmet

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