As a homeowner, you do whatever you can to make sure the investment you have made in your home is protected, even when disaster strikes. Having Homeowners insurance is one of the best ways to do this. 

It’s important to be informed about your homeowner insurance policy for true peace of mind. Insurance policies can vary based on many different factors including how much you pay, where you live, how big your house is, the materials your house is made of, the year your home was built, and much much more. 

One of the intricacies many people wonder about is whether or not their home insurance coverage extends to their garage. When disaster strikes, will your insurance cover garage repairs? What if your garage is detached?

These are all good questions. As experts in overhead garage doors in Ohio we have seen our fair share of insurance claims pertaining to garage door repairs. Let’s take a look at what we most commonly observe. 

What Damages Are Typically Covered by Homeowners Insurance?

In most cases, your garage will be covered under your homeowner’s insurance policy like the rest of your home. What we have seen is that overall, damage is a broad term, and insurance companies can have different guidelines around what damages are covered and what aren’t. 

Each homeowner’s insurance policy will differ based on the type you have. In general, these are the types of damages you can expect to be covered by homeowners insurance:

Vehicle Damage

We have seen it many times. Accidents involving garage doors and vehicles are more common than you may think. Although it may be a little embarrassing if it happens to you, homeowners back into garage doors or walls all the time. Whether your visibility was impaired or your driveway was icey, insurance will usually cover these damages to your garage door. 

If someone who doesn’t live in your home hits your garage, their auto insurance should cover the damages.

Natural Disasters

Damages to your garage and garage door caused by lighting, tornados, or other severe weather are usually covered by homeowners insurance. Note: flood damage is usually not covered under basic home insurance policies. 

Fire Damage

Homeowners insurance covers fire damage to your home which means it would also cover fire damage to your garage. 

Vandalism and Break-Ins

Your garage is an extension of your home, which means homeowners insurance will usually cover things like graffiti and even break-in damages. In some cases, it may also cover the items stolen from your garage. If you plan to store valuable items in your garage, you may want to increase your coverage for stolen property.

What Damages Are Not Covered by Homeowners Insurance?

Knowing what your homeowners’ insurance doesn’t cover will impact how you invest in your home. Here are some damages that are commonly not covered by homeowners insurance:

  • Flood damage
  • Earthquakes
  • Wildfires
  • Intentional damages
  • General wear and tear

Overhead Garage Door Repair in Ohio

Your homeowner’s insurance policy is likely unique from anyone else’s. Contact your insurance agent to be sure you understand what’s covered and what won’t be covered when it comes to overhead garage door repairs. 

When the time comes for repairs, our team of professionals is standing by to get your garage door back in working order in no time.