A garage door is a part of your home. However, many people are unsure if their garage door is covered by homeowner’s insurance or not. Here at Bob Korvas Agency, Inc. in Niles, IL, we want to help educate you on the questions you may have about this topic. Here are two frequently asked questions about garage doors and homeowner’s insurance.
Are Garage Doors Covered By Homeowner’s Insurance?
Unfortunately, the answer to this question varies based on the situation. If your home catches on fire and the garage door is damaged and needs to be replaced, the garage door would be covered by your homeowner’s insurance policy. However, if the door was not properly maintained and needs to be replaced, or it has simply reached the end of its lifespan, it is not covered and you will need to pay to replace the door out of pocket.
If I Back Into My Garage Door, Do I File a Claim with Auto or Homeowner’s Insurance?
The number one reason why a garage door needs to be replaced is because someone pulled into the driveway too far or backed out and hit the garage door. When this happens, you will want to file a claim with your homeowner’s insurance, as most auto policies don’t pay for damage done to your own property. However, if someone else hit your garage door, they may be able to file a claim with their auto insurance company. Likewise, if you hit someone else’s garage door, you can file a claim with your auto insurance company.
While you are thinking about your homeowner’s insurance, now is a great time to re-evaluate your existing policy and ensure it still meets your needs and is fairly priced. Give Bob Korvas Agency Inc, serving the greater Niles, IL area, a call today for a free estimate or to have one of our professionals ensure your current policy meets your needs.