Some damages to your garage door are covered by homeowners insurance, while other mishaps might leave you footing the repair bill. Find out what's covered and what's not in these 5 scenarios when it comes to garage door damage and your home insurance policy.
scenario 1. i hit my garage door with my own car (oops!)
Let's say you start your car, begin to back out, and crash right into your closed garage door. Hopefully uninjured (but mortified), you're probably wondering whether insurance covers the damage to your garage door. And, which insurance?
Car insurance typically won't pay to repair your garage door because it doesn't cover damage you cause to your own property. Fortunately, you could file a homeowners insurance claim to help put things right.
scenario 2. someone else hit my garage door with their car
Someone drove into your garage door and banged it up (likely in addition to their own car — ouch). In this case, because the other driver is at fault, they're responsible for the damages … whether their car insurance covers it or they have to pay out of pocket.
If, say, your garage door was involved in a hit-and-run (no, really), in which the driver at fault crashed into your garage door and drove off, your homeowners insurance should cover the repair costs.
scenario 3. my garage door was vandalized
You don't have to pay to restore your garage door if someone else decides to make it their canvas without your consent because your homeowners insurance covers "malicious mischief" like vandalism. So if you spot graffiti on your garage door one afternoon when you're out getting the mail, don't panic — your policy's got you covered.
scenario 4. my garage door stopped working
If your garage door's wiring is old and just stops functioning, you'll probably have to pay to have it repaired on your own. Most home maintenance issues aren't covered by homeowners insurance because they're an inevitable part of homeownership.
But if your garage door stops working because of an electrical surge or other covered incident, your policy could cover the cost of repairs.
In either scenario, it's important to get a non-working garage door repaired as soon as possible if you still plan to use your garage. Most importantly, don't ever try to open and close an electrical garage door manually. You could easily injure yourself or someone else (which leads to liability issues and, well, pain).
scenario 5. a severe storm banged up my garage door
Your homeowners insurance guards against hailstorms, windstorms, and other kinds of covered weather disasters, like falling trees. If a bout of bad weather dented your garage door and/or impaired its functionality, rest assured: your policy could pay for those damages.
Your coverage limits may vary due to a number of factors, including whether your garage is detached from your home. It's a good idea to speak with your home insurer and find the right coverage limit for your needs.
get a free home insurance quote from esurance
With Esurance, if your garage doors are damaged in a covered incident, you can easily file a claim anytime thanks to our 24/7 claims service from our licensed agents. Even better than just protecting your house, an Esurance home insurance policy also protects your liability, belongings, and your hard-earned savings.
Get a free quote for homeowners insurance and build a policy with cash-saving discounts and coverages tailored to your unique needs.
7 questions to ask when shopping for home insurance
How do you know what you need in a home policy? Find out what to look for when you're searching for quality coverage.
More about homeowners insurance
Looking for another insurance product?