Table of Content
Homeowner’s insurance is designed to protect you and your belongings, including your garage. Using quiet opener lubricant to apply oil where moving parts meet helps slow them down and creates less noise when you open and close your home insurance garage door. Use wax lube only if your operator recommends it; stick with a silicone spray lubricant.
Other structures coverage typically has a coverage limit of up to 10% of your dwelling coverage. Assuming that your policy does cover the garage door, there are still a few things to keep in mind. For example, most policies only cover damage that is caused by events that are out of your control. So, if your garage door is damaged by a fire or a storm, your insurance will likely cover the repairs.
WILL HOME INSURANCE POLICY COVER A BROKEN GARAGE DOOR?
Things get a little trickier if someone else drives into your garage instead. If the damage were caused by someone else’s vehicle, you would need to submit an auto claim with their insurance company to get reimbursed. 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.
In some cases, a detached garage will be covered by your home insurance under an “other structures” policy. These policies offer protection for fences, pools, sheds and even garages that are not technically part of the home. However, it is typically covered by a lower percentage compared to the rest of your house.
Some home insurance policies do not cover the garage door.
Aside from this, we have earned the trust of most home insurance companies and their clients when it comes to the kind of service that we provide. As such, we are most likely the company that your insurance calls to repair your damaged garage door. If not and you want to be serviced by no other company but the best, just request them to contact us.

Aluminum garage doors are suitable for coastal areas since they are resistant to oxidation or rust. Vinyl and glass garage doors can help prevent rusting, fading, denting, or cracking in regions with heavy flooding or rainfall. You should always check your policy to figure out what is not covered, but here are some examples. Home insurance is there to support you when you cannot control the situation. Be sure your policy offers enough coverage within your limit to keep all aspects of your home in good working order and safe. The terms of your home insurance policy will provide you with specific information about when your home insurance can be helpful to you.
Vandalism and Break-Ins
Some insurance companies may include deductibles that outweigh the actual cost of repairs. In these cases, it’s essential to weigh the pros and cons and see what would be most beneficial for your situation. If your door has been damaged in relation to theft, it might be worth it to determine how to strengthen the security of your garage door.

Under the circumstances, your home insurance is likely to cover the damage. It’s important to check your insurance policy and know specifically what they cover and to know if you’re covered. If you make a large number of claims, your insurance rates can go up causing you to pay higher premiums.
Home Insurance Door Replacement
Homeowners insurance will cover your garage door if it is damaged by a covered peril, like fire or vandalism. When garage door repair is needed, it may be stressful and frustrating for homeowners who aren’t familiar with their insurance policy. Not all garage door repairs will be covered by insurance, but you can be prepared before garage door damage strikes. Being knowledgeable on your insurance policy, maintaining your garage door, and having an excellent garage door company standing by will make all the difference. At Garage Door Enterprises, we offer garage door repair designed to best restore your garage door.
Never overpay for car insurance Jerry automatically shops for your insurance before every renewal. Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. If you can afford the repairs, you’ll want to decide whether a claim the potential increase. Still, if the mechanical system is damaged in an unforeseen hazard—such as a power surge from a lightning strike—then your home insurance will often help you pick up the pieces. They key to getting coverage is to determine whether damage occurred because of wear & tear, or because of an otherwise unavoidable hazard.
Home insurance typically covers doors, windows, and all other home moving parts susceptible to damage or deterioration. Homeowners can choose from several options when they want home insurance door replacement. Other situations in which your home insurance can help you include instances of a covered fire, vandalism or a severe storm damages. Accidental and sudden damage is often covered as long as the cause isn't something you've created yourself. If your garage door is damaged, be sure to get it repaired right away. If it is not working and then damaged by a storm, your insurer may not cover it.
Locking and unlocking your garage when you’re away will keep burglars from stealing any valuables. Plus, most insurers consider homes with garages safer, which can help keep your rates low. While your garage door may be loud or dinged up, your home owners’ insurance policy possibly will not cover any of the repair services if it’s from basic wear. If your garage door is mechanized, then it is both a sensitive system and one that will require special maintenance and repairs, when necessary. You might also have to periodically replace the door entirely.
If you’re not sure whether you need garage door insurance, it’s always a good idea to speak with your insurance agent. They can help you assess your risks and decide whether this type of coverage is right for you. If you have or are considering building a detached garage, that insurance coverage is something to think about. Over time, your roof will become impacted by old age, whether in the form of curling shingles or more frequent repairs. Usually, this general wear and tear will not be covered by your insurance policy. If your garage door is damaged during a hit-and-run or by an uninsured driver, your homeowners policy will likely pay for the damages.
