Does homeowners insurance cover garage doors

Typically with most homeowners insurance policies, garage doors are part of what’s covered. In the event of theft & damage, fire or vandalism, your homeowners insurance policy more than likely will be able to cover it. Please take note that any intentional damage to your garage door is most often not going to be covered in your home insurance policy. This will also include certain natural disasters.

It is always best to check with your agent beforehand so you know exactly what’s covered in your home insurance policy. If you have questions you need an answer to right now, give us a call. Our agents are nice people and they help you to secure fantastic rates! 

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Is your garage door is covered in your homeowners insurance

You’re going to want to take one step before filing a claim. First thing is to check your home insurance policy. Within most homeowners insurance policies, a garage door is part of what is covered. You will always want to check with your agent or the insurance company if you are unsure. 

For the most part, your home insurance will cover all damage that you or one of your family members may have made to the garage door. If someone outside of the normal occupants of the home is responsible like a third-party, for example if a neighbor accidentally hit your garage. In this case your neighbors auto-insurance policy should cover the cost of repairs or even the replacement of the garage door.

In the event of theft & damage, fire or vandalism, most homeowners insurance policies should cover it.

However, please note that any intentional damage to your garage door is most often not covered. This also includes certain natural disasters. If your garage door is detached from your home you will want to check with your agent to see if this is covered in your home insurance policy.

How to file a home insurance claim

Filing a home insurance claim can be difficult in some situations and incredibly easy in others. At Eugene C Yates Insurance Agency we have a staff of amazing insurance agents who can help you better understand the process and potentially point you in a direction that’s easy for you. 

There is going to be required documentation you will have to submit with your claim. The home insurance company will let you know what that entails. 

Now if you have a claim related to a crime, for example vandalism or arson. Your first step should be filing a police report and notifying your local authorities. A similar scenario may be a car accidentally crashing into your garage door. There are other situations where your home insurance company may require receipts for all repairs that were made. They may also send an adjuster to determine the exact cost of the repairs.

If you still have questions regarding your home insurance or would like to get a free home insurance quote, give us a call. Our agents would love to get you an affordable home insurance policy that is right for your family. 

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