Are Garage Doors Covered by Homeowners Insurance?

David E. • March 24, 2023

Do homeowners policies cover garage doors?

Do homeowners policies cover garage doors?

Always review the coverage when purchasing home insurance before signing the contract. Inspect every aspect, including your garage door, to make sure it is protected.

Due to our reputation as the best garage door repair company in the business, Fix N Go Service is frequently contacted by home insurance companies to repair broken garage doors. In addition to this, we have gained the respect of the majority of homeowners insurance providers as well as their customers because of the caliber of service we offer. Therefore, it is very likely that your insurer will contact us to repair your broken garage door. If not, tell them to get in touch with us if they want to be served by the greatest firm possible.

Jump to: 

1. Can upgrading your garage door reduce your homeowners insurance policy costs?
2. How to determine if your garage door is covered in your insurance
3. How to file a claim
4. What to consider

Can upgrading your garage door reduce your homeowners insurance policy costs?

You might be curious as to whether installing a new garage door would affect how much your homeowners insurance will cost. Not only can upgrading your garage door increase the value of your house, but it will also lower the liability on your homeowners insurance. Your homeowner's insurance premiums may be reduced (sometimes by 10%) if you install an impact- or storm-resistant garage door.

The following garage door components are suggested for lowering accident or weather-related insurance claims:

  1. The most durable type of garage door you can install is a steel garage door. If you live in a hurricane or high-wind area, upgrading to a steel door would be the best for reducing garage door damage caused by weather. 
  2. A heavy-duty insulated garage door can reduce repairs and keep the home warmer or cooler in regions with extreme cold or heat. 
  3. Vinyl and glass garage doors can help prevent rusting, fading, denting, or cracking in regions with heavy flooding or rainfall. 
  4. Aluminum garage doors are suitable for coastal areas since they are resistant to oxidation or rust. 
  5. A fiberglass garage door is a good option if you want the look of a wooden garage door without the maintenance. It is also resistant to termites and denting. 

How to determine if your garage door is covered in your insurance

The first item to verify is your insurance policy before making a claim. The majority of house insurance plans include coverage for garage doors.

Owner of Keystone Insurance and provider of home insurance in Utah, Brent Thurman, says the following:

Since garage doors and openers are affixed to the structure, they’re considered part of the “dwelling” from a coverage standpoint on your homeowners Insurance which includes loss due to physical breakage. This is different than mechanical failure or wear and tear…think of it more like one of your kids who backs into your garage door. It’s also covered for the usual suspects…wind, fire, hail, vandalism, etc. 

You only need to confirm the details of the coverage. Normally, any harm you or a member of your family cause to the garage door will be covered by your insurance. If a third party is at fault, as when your neighbor accidently runs into your garage, then the cost of repair or replacement will be covered by that person's auto insurance policy.

Your homeowner insurance ought to be able to cover it in events of theft and damage, fire, or vandalism.

However, keep in mind that intentional damage to your garage door, as well as some natural disasters, is frequently not covered. Additionally, it is wise to confirm whether or not your detached garage door is protected if you have one.

How to file a claim

Depending on the kind of insurance that you have, filing for a claim may either be easy or quite complicated.

Definitely you will be required to submit documentation in relation to your claim. The required documentation may vary depending on the scenario.

If your claim is related to a crime, say vandalism or arson, you will typically be required to file a police report. This may also be the case if your claim is related to a vehicle accidentally crashing on your garage door. In other cases, your insurance company may require receipts for repairs made or may send an adjuster to determine the cost of repair.

Some considerations

It may be worthwhile to look into how to make your garage door more secure if it has been damaged as a result of theft. To make sure that your garage door is securely safeguarded, Fix N Go Service offers a variety of garage door openers, keyless entries, and remote controls.

If fire caused the damage, it could be worthwhile to consider fire retardant materials. Additionally, you might want to consider different options if your old garage door is prone to dents.

It's crucial to keep in mind that Fix N Go Service offers a variety of components and materials for your garage door. Additionally, we offer qualified counsel at no cost. Contact us by dialing Houston (832) 400 2992 Austin (512) 543-7324.

You might also like

Fix N Go Blog

How to Replace a Garage Door Motor?
By Rabia Tingat July 24, 2025
If your garage door opener motor has become noisy, sluggish, or completely non-functional, it may be time to replace it. A faulty motor can make daily garage use frustrating and even unsafe. Fortunately, replacing a garage door motor isn't as complicated as it may seem—especially if you're comfortable with basic DIY tasks. In this step-by-step guide, we’ll walk you through how to replace a garage door motor safely and effectively. Whether you’re dealing with a burnt-out motor or simply upgrading to a newer model, we’ll help you understand the entire process—from removal to reinstallation. Signs Your Garage Door Motor Needs Replacing Before we jump into the replacement process, let’s look at a few signs that indicate your garage door motor is failing: The opener struggles to lift or lower the door Unusual grinding or humming noises from the motor Frequent power failures or overheating The door only opens partially or not at all The remote and wall switch stop responding If your opener exhibits any of these issues even after resetting or troubleshooting, replacing the motor is likely the best long-term solution. Choosing the Right Garage Door Motor Replacement Garage door motors (often called garage door openers) come in several types—chain drive, belt drive, screw drive, and direct drive. When choosing a replacement, make sure it’s compatible with: Your garage door's weight and size Available power source (AC or DC motor) Existing hardware and mounting setup Brands like Chamberlain, Genie, and LiftMaster offer reliable units that include all necessary mounting brackets, sensors, and manuals for a smoother installation. Tools You’ll Need Before replacing your garage door motor, gather these essential tools: Ladder Socket set Screwdrivers Adjustable wrench Wire cutters and strippers Power drill Safety glasses and gloves Once you're equipped, turn off the power supply to the opener to avoid electrical hazards. Step-by-Step Guide to Replacing a Garage Door Motor Step 1: Disconnect Power and Unplug the Motor Safety first—disconnect the opener from the power outlet. If it's hardwired into your home’s electrical system, turn off the circuit breaker. Confirm there's no electricity flowing to the unit using a voltage tester. Step 2: Disengage the Door from the Opener Pull the emergency release cord (usually a red handle) to disengage the garage door from the opener. This lets you open and close the door manually during the motor replacement process. Step 3: Remove the Old Garage Door Motor Start by detaching the wires connected to the safety sensors and wall switch. Take photos or label wires for reference during reinstallation. Next, use a socket wrench or screwdriver to unscrew the motor unit from its mounting bracket on the ceiling. Be cautious—these units are heavy and often require a second person to safely lower them. Once the motor is removed, also uninstall the rail and trolley if your new opener comes with its own. Step 4: Install the New Motor and Mounting Rail Assemble the new motor unit according to the manufacturer’s instructions. This often includes connecting the rail, carriage, and pulley system. Mount the new rail above your garage door and secure the motor to the ceiling using provided brackets. Make sure everything is level and firmly attached. A misaligned rail can lead to jerky movements or early wear on the new motor. Step 5: Wire the Motor and Accessories Reconnect the wall switch and safety sensor wires to the terminals on the new motor unit. Most openers have labeled terminals—typically for red, white, and black wires. If your model includes a backup battery, antenna, or Wi-Fi connection, set these up now. Follow your motor’s wiring diagram precisely to avoid connectivity issues. Step 6: Reconnect the Door and Adjust Settings Pull the emergency cord back into the “engaged” position to reattach the door to the trolley. Now, plug the motor into the power outlet or restore power at the breaker. Turn on the unit and test the door’s operation. Adjust the travel limits and force settings as needed. These settings ensure the door opens and closes completely without excessive strain. Refer to your manual for step-by-step adjustment instructions—usually involving small dials or digital buttons on the unit. Testing Your New Garage Door Motor Once installed, test the full functionality of the opener: Use both the wall switch and remote control Check safety sensors by blocking the beam—door should reverse Confirm smooth and quiet operation Listen for any abnormal noises or vibrations If the door doesn’t operate properly, recheck the alignment of the rail, the wiring connections, or the motor’s mounting hardware. Professional Help vs. DIY While replacing a garage door motor is a doable task for experienced DIYers, you may want to call a professional if:  Your opener is hardwired (no plug-in cord) The ceiling mount is in a tight or high area The garage door is unusually heavy or custom-built You’re unsure about wiring and adjustments Professional installers can typically complete the job within 1–2 hours, and many offer warranties on both labor and parts. Final Thoughts Replacing a garage door motor may seem like a big task, but with the right preparation and safety steps, it's well within reach for the average homeowner. Whether you're upgrading to a quieter, smarter opener or fixing a worn-out unit, understanding the wiring, mounting, and setup process will ensure a successful installation. Remember to always follow the manufacturer’s instructions, double-check your wiring, and test your new unit thoroughly. When done correctly, a new garage door motor will provide smooth, reliable performance for years to come.
How Does Genie Garage Door Motor Wire In?
By Rabia Tingat July 22, 2025
Find out how to wire a Genie garage door motor with expert tips. Improve motor performance and ensure secure, safe installation with this guide.
How to Replace a Garage Door Cable?
By Rabia Tingat July 20, 2025
Learn how to replace a garage door cable step-by-step. This guide covers tools, safety tips, and expert advice for a smooth and safe cable replacement.