What if your garage door breaks or needs repair? Does home insurance cover garage doors? A recent Insurance Information Institute poll found that 73% of American homes have attached garages. Since many homes include garage doors, knowing what your homeowner’s insurance covers is crucial. This article discusses homeowner’s insurance and garage doors. We’ll also discuss coverage criteria and how to make sure your garage door is covered by insurance. Let’s begin!
Does home insurance cover garage door repair or replacement?
Absolutely Yes, your homeowners insurance has your back when it comes to taking care of your garage doors. First off, if your garage doors face storms or fallen branches, then your insurance is likely to jump in and cover the repair costs. It’s like a superhero cape for your garage!
Now, the type of garage you have matters too. If it’s part of your house, it is going to get covered under the main dwelling protection. But if it’s chilling separately in a detached garage, fear not! The other structure coverage in your homeowners policy has it covered.
When it comes to damages, your insurance is like a shield against car accidents, theft, vandalism, fires, and even the not-so-friendly visit of a natural disaster.
If fixing your garage door costs more than replacing it with a shiny new one, your insurance should still have your back for the upgrade. It’s like getting a free pass to a cooler garage door!
However, normal wear and tear might not be in the insurance magic book. So if your garage door’s seen a lot of action over the years, that could be on you. And, of course, there is no intentional damage coverage. If you decide to give your garage door a makeover with a sledgehammer, insurance won’t be picking up the tab.
But remember, these are general vibes; your policy and provider might have their own dance moves. So, always chat with your insurance squad to get the details on your unique coverage. They’re the real MVPs of the insurance game!
