Introduction
Garage doors are an important part of any home. They provide a secure and easy way to store vehicles and protect possessions. Many homeowners are curious if their garage door is covered by homeowners insurance. This article will provide an overview of this topic, including a breakdown of what is typically covered by insurance and what is not.
What Is Covered by Homeowners Insurance?
Homeowners insurance typically covers damage to the garage door caused by an insured event. This includes events such as fire, theft, vandalism, windstorms, and hail. However, it is important to note that coverage for these events will vary from policy to policy, so it is important to review the details of your policy.
In addition to covering damage from insured events, some homeowners insurance policies will also cover the cost of repairing or replacing the garage door if it is damaged due to normal wear and tear. This is important for homeowners who may have an older garage door that is prone to breaking down.
What Is Not Covered by Homeowners Insurance?
Homeowners insurance will not typically cover damage to the garage door caused by animals, such as damage caused by raccoons or squirrels. In addition, some policies may exclude coverage for damage caused by flooding or earthquakes. It is important to review your policy to determine what is and is not covered.
In addition, most homeowners insurance policies do not cover the cost of replacing the garage door if it is damaged due to lack of maintenance. This means that if the garage door is not properly maintained, any damage that occurs as a result may not be covered by the policy.
Pros & Cons of Homeowners Insurance Coverage
The biggest advantage of having homeowners insurance coverage for your garage door is that it can help to protect you financially in the event of an accident or disaster. If the garage door is damaged due to an insured event, your policy may help to cover the cost of repairing or replacing it.
The biggest disadvantage of having homeowners insurance coverage for your garage door is that it may not cover the cost of replacing the garage door if it is damaged due to lack of maintenance. This means that it is important to keep up with regular maintenance to ensure that your garage door is in good working order and that any damage that occurs is covered by the policy.
Conclusion
Homeowners insurance typically covers damage to the garage door caused by an insured event, such as fire, theft, vandalism, windstorms, and hail. However, it is important to review the details of your policy to determine what is and is not covered. In addition, most policies do not cover the cost of replacing the garage door if it is damaged due to lack of maintenance. Having homeowners insurance coverage for your garage door can help to protect you financially in the event of an accident or disaster, but it is important to keep up with regular maintenance to ensure that your garage door is in good working order.
