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When a garage door breaks or stops working properly, it’s more than just an inconvenience— it’s a security issue that can impact the value and security of your home if not repaired or replaced in a timely manner. As homeowners, we depend on our garage doors to safely secure our vehicles and belongings inside, so it’s common to wonder whether or not home insurance covers garage door installations/replacements. In this article, our team of experts at Affordable Garage Door Fix will explore the different circumstances under which your insurance provider may or may not cover garage door replacement costs. Keep reading to learn more about home insurance and garage doors.

Are Garage Doors Covered by Home Insurance? 

Fortunately, most home insurance policies do cover the costs associated with garage door replacement due to damage. However, it’s essential to read your policy carefully to determine what is and isn’t covered, especially when it comes to intentional damage. If you or a family member accidentally damages the garage door, your insurance should cover the repairs. If a neighbor crashes into the door with their car, their auto insurance policy will cover the costs. 

If any of the damage is deemed as “intentional,” it likely won’t be covered. Additionally, one important aspect to keep in mind is that garage doors which are detached from your home may not be covered by your homeowners insurance. Be sure to clarify your coverage before filing any claims with your home insurance and garage door to avoid any unnecessary surprises. 

Do New Garage Doors Reduce the Cost of Homeowners Insurance? 

Upgrading your garage door is a smart investment that can benefit both the value of your home and the safety of your loved ones. But did you know that getting a new garage door may also reduce the overall cost of your homeowners insurance policy? By installing a storm-ready or impact-resistant garage door, you can significantly lower your insurance liability and insurance premiums. While replacing your garage door may seem like a small change, it can have a big impact on your home’s overall aesthetic and security. 

Contact Affordable Garage Door Fix for Garage Door Replacement/Installation

If you have more questions about “does home insurance cover garage door replacement?” we recommend reaching out to your insurance provider. And if you’re ready to upgrade or replace your current garage door, Affordable Garage Door Fix is here to help. Our experienced team will work with you to find the best solution for your specific needs and budget. From installation to repairs and maintenance, we offer a full range of services to keep your garage door in the best condition for years to come. 

Don’t hesitate to reach out for a quote and take the first step towards a safer and more functional garage. Contact us today and let us show you why we are trusted by homeowners across the Wasatch Front for all their garage door needs. Don’t wait until it’s too late— invest in the protection and convenience of a high-quality garage door from Affordable Garage Door Fix.