Know When Your Homeowners Insurance Covers Garage Doors

It’s not something most people think about—until it happens. One day your garage door is working just fine, and the next… it’s dented from a hailstorm, crunched by a car, or it just stops working. Suddenly, you’re asking, “Wait—does my homeowners insurance cover this?”

Good news: you’re not alone, and yes—depending on the situation, your homeowners insurance may have you covered. At The Huneycutt Group, we’re here to help you make sense of what’s covered, what’s not, and how to protect one of the most important (and most used) parts of your home.

If you’re unsure about your current coverage or want to explore better options, let’s talk. Our team is always here to help you find peace of mind—garage doors included.

Key Takeaways:

• Homeowners insurance can cover garage door damage depending on the cause.
• Common covered events include storms, vehicle impacts, and vandalism.
• Not all damage is covered—wear and tear or intentional damage might be excluded.
• Filing a claim requires documentation and knowing your policy details.

When Does Home Insurance Cover Garage Doors?

Whether your garage is detached or attached to your home, your homeowners insurance may cover garage door damage—but only in specific situations. Here are the most common scenarios where you’re likely to be protected:

Natural Disasters

If your garage door is damaged by a storm, hurricane, or other covered peril (like wind or hail), your policy will likely kick in—assuming natural disasters are covered in your policy. It’s worth noting that flood and earthquake coverage usually requires separate policies.

Vehicle Damage

Whether you accidentally back into your garage door or someone else crashes into it, your homeowners insurance may cover the repair or replacement. In many cases, your auto insurance (or the other driver’s policy) could also come into play.

Break-Ins or Vandalism

If someone breaks into your garage or damages the door maliciously, your homeowners insurance typically provides coverage for both the damage and any stolen items—up to the limits of your policy.

Exclusions To Homeowners Insurance Coverage

Not all damage is covered by standard homeowners policies. Common exclusions include:

• Wear and Tear: Garage doors age just like everything else. Gradual deterioration, rust, or mechanical failure from long-term use usually isn’t covered.
  
• Poor Maintenance: If damage happens due to neglect, such as failing to fix a known electrical issue, your insurance may not apply.
  
• Floods and Earthquakes: These events require additional coverage through separate policies. Be sure to talk about this important coverage with your agent.

Understanding what’s not covered is just as important as knowing what is. That’s why having an expert review your policy matters.

How To File A Claim For Damage To Your Garage Doors

If your garage door gets damaged and you believe it’s a covered event, here’s what to do.

1. Document the Damage. Take clear photos and note the date and time of the incident.
   
2. Contact Your Insurance Provider. Report the incident and start the claims process.
   
3. Get an Estimate. Have a licensed contractor assess the cost of repairs or replacement.
   
4. Submit Your Claim. Include all documentation, estimates, and relevant details.

A smooth claims process starts with clear documentation and knowing your policy. If you’re not sure what to expect, we’re here to walk you through it.

Know Your Deductibles And Coverage Limits

Before filing a claim, be aware of your deductible—the amount you’re responsible for paying out of pocket..

• Deductible: The amount you must pay out of pocket before your insurance kicks in.
• Coverage Limits: The maximum amount your policy will pay for covered losses. If the cost of repair is less than or close to your deductible, it may not be worth filing a claim.

How Much Does It Cost To Replace Garage Doors?

The cost to replace a garage door can vary widely based on size, materials, and design. On average, homeowners might spend:

• $500–$1,500 for a standard single door
  
• $1,000–$3,000+ for custom or insulated double doors

Labor and removal of the old door can add to the total. If the damage is significant, your homeowners insurance may help offset these costs—depending on your policy.

Get The Right Coverage From The Huneycutt Group

Your garage door is more than just an entryway—it’s part of your home’s security and value. Whether you’re dealing with damage now or just want to be prepared, The Huneycutt Group is here to help you get the coverage you need.

We offer tailored homeowners insurance policies that protect your whole home—including your garage doors—so you can rest easy.

Ready to review your policy or get a quote? Contact The Huneycutt Group today and let’s make sure you’re protected from the unexpected.

Does Homeowners Insurance Cover Garage Doors: FAQ