Blue Pearl
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Blue Pearl
2024-04-06
Madisyn Massucci
Jennifer has been nothing but helpful and cooperative during our correspondence.
Madisyn Massucci
2024-03-26
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
2024-03-22
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
2022-12-27
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
2022-03-04
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
2022-01-11

Are Garage Doors Covered by Home Insurance?

Broken Garage Door

Are Garage Doors Covered by Home Insurance?

When it comes to protecting your home, you likely have insurance coverage for your roof, walls, and even your personal belongings. But what about your garage door? Is it covered by your home insurance policy?

In this article, we’ll explore the topic of garage door coverage under home insurance and provide you with the information you need to ensure your home is fully protected.

Understanding Home Insurance Coverage

Before we dive into the specifics of garage door coverage, it’s important to understand the basics of home insurance coverage.

Home insurance is designed to protect your home and personal belongings from unexpected events such as fire, theft, and natural disasters. It typically covers the structure of your home, including the walls, roof, and foundation, as well as your personal belongings inside the home.

Most home insurance policies also include liability coverage, which protects you in the event that someone is injured on your property.

Does Home Insurance Cover Garage Doors?

The short answer is yes, garage doors are typically covered by home insurance. However, the extent of coverage may vary depending on your specific policy and the cause of damage.

For example, if your garage door is damaged by a covered peril such as a fire or a fallen tree, your home insurance policy should cover the cost of repairs or replacement. This is because your garage door is considered a part of the structure of your home.

However, if your garage door is damaged due to wear and tear or lack of maintenance, it may not be covered by your home insurance policy. It’s important to regularly maintain your garage door to ensure it remains in good working condition and to avoid any potential coverage issues.

Home Security and Garage Door Coverage

One factor that may impact your garage door coverage under home insurance is your home security system. Many insurance companies offer discounts for homes with security systems in place, including those that include garage door sensors.

By installing a security system that includes garage door sensors, you can not only protect your home from potential break-ins, but also potentially save money on your home insurance premiums.

Additional Coverage Options for Garage Doors

While your home insurance policy may cover your garage door in the event of damage, there are additional coverage options you may want to consider to fully protect your garage door.

Garage Door Endorsement

Some insurance companies offer a garage door endorsement, which provides additional coverage specifically for your garage door. This endorsement may cover damage caused by wear and tear, mechanical breakdowns, and other non-covered perils.

Home Warranty

A home warranty is a separate policy that covers the repair or replacement of major home appliances and systems, including your garage door. This can be a good option for homeowners who want additional coverage for their garage door and other home systems.

Tips for Protecting Your Garage Door

To ensure your garage door remains in good working condition and is covered by your home insurance policy, here are some tips to keep in mind:

  • Regularly inspect your garage door for any signs of wear and tear, and address any issues promptly.
  • Keep your garage door well-maintained by lubricating moving parts and tightening any loose bolts or screws.
  • Install a security system that includes garage door sensors to protect against break-ins and potentially save on your home insurance premiums.
  • Consider additional coverage options such as a garage door endorsement or home warranty for added protection.

Common Garage Door Insurance Claims

While garage door damage may not be as common as other home insurance claims, it’s still important to understand the potential risks and how to protect yourself.

Here are some of the most common garage door insurance claims:

Weather-Related Damage

Severe weather events such as hail, wind, and heavy rain can cause damage to your garage door. This type of damage is typically covered by home insurance, but it’s important to regularly inspect and maintain your garage door to prevent any potential issues.

Vehicle Damage

Accidents happen, and unfortunately, sometimes they involve your garage door. If a vehicle hits your garage door, the damage may be covered by your home insurance policy. However, if the damage is caused by your own vehicle, it may be covered under your auto insurance policy. Speak with your insurance professional to better understand your policies.

Theft and Vandalism

If your garage door is damaged due to a break-in or vandalism, it may be covered by your home insurance policy. However, it’s important to have a security system in place to help prevent these types of incidents and potentially save on your insurance premiums.

Conclusion

In conclusion, garage doors are typically covered by home insurance, but the extent of coverage may vary depending on your specific policy and the cause of damage. To ensure your garage door is fully protected, it’s important to regularly maintain it and consider additional coverage options such as a garage door endorsement or home warranty. Also, make sure to review your insurance coverage with your insurance professional to make sure you are totally covered.

By following these tips and understanding your home insurance coverage, you can have peace of mind knowing that your garage door is protected and your home is secure.

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