Garage doors are covered by home insurance in Colorado, but it depends on the circumstances. If it’s an accident and someone that is a member of your home causes damage to the garage door accidentally, you can submit a claim and typically move on from there.
However, garage door incidents can be tricky. Yet, a standard home insurance policy (HO3) will be there to protect you. Here is a look at a few common instances:
- If you or a member of your household caused the damage accidentally, your home insurance policy will cover it. This includes if you hit it with your vehicle or with another vehicle, such as an ATV or golf cart, in most cases.
- Damage caused by an act of nature, such as a windstorm causes your garage door to suffer a loss, you’ll be covered. Some exceptions, such as flooding or mudslides may apply.
- If your garage door is damaged intentionally or through illegal actions, you won’t have a successful claim. It must be damage that is accidental to qualify.
- Should another party hit your garage door with their vehicle, your garage door is covered by insurance.
A homeowners insurance policy will typically have multiple coverages. If your garage is connected, your dwelling coverage will be there. However, if you have a detached garage, you’re still covered thanks to your other structures coverage.
Does Home Insurance Cover Garage Door Springs in Colorado?
The springs that your garage door uses to operate are unlikely to be covered by home insurance in Colorado. This may feel contradictory to the above section, but it comes down to fixing an individual component in comparison to the entire part of your home. Specifically, because of the nature of the loss. Here’s why:
- When a garage door needs to be covered, it’s typically because of accidental damage. Your homeowners coverage will protect you from such damage in accordance with its terms and garages are covered as a part of this.
- However, when you talk about springs, this component is typically damaged because of general wear and tear. Such issues are not covered by home insurance in Colorado and require a home warranty to avoid spending out-of-pocket to restore.
This isn’t just true for your garage but for all components in your home. General wear and tear is the responsibility of the homeowner. However, of course, if you have a claim to restore your garage door, which includes the springs, if it’s valid, you’re covered.
Does Home Insurance Cover the Garage Door Opener in Colorado?
This is similar to the idea of replacing a garage door spring. If for some reason, such as hail damage or another valid peril, harms your garage door opener, you may be able to make a claim. However, if it’s just general wear and tear, you’re going to need to either rely on a warranty or pay for it yourself.
You can expect to pay $220 and $550 on average for a professional garage door opener to be installed. Keep in mind many homeowners have deductibles of at least $1,000. This means that even if you’d like to submit a claim, sadly, you’re going to have to pay a couple of hundred bucks out of pocket anyways.
Does Home Insurance Cover Garage Door Replacement in Colorado?
Remember, replacing your garage door simply depends on the cause of the loss. If you need to replace your garage door in Colorado because of damage covered by your homeowner coverage, you can submit a claim. But general wear and tear does not qualify and your claim will be denied.
How To Cover Your Garage Door for Less in Colorado
Homeowners in Colorados love their garages. It’s important for storage, protecting your vehicles, and simply a great space for a home to have, especially during the winter months. This explains why the Midwest and West lead the nation in homes with garages.
The good news is if you have home insurance, chances are, you have coverage for your garage even if it’s detached. However, the bad news, is that you might be overpaying to protect it. Especially if you haven’t shopped around in a while.
It’s recommended that homeowners shop for coverage at least once or twice a year. Not doing so can leave you under-protected and also overpaying for protection. Freedom Insurance Group can help you overcome both of these obstacles.
Since 2005, we’ve been helping homeowners save by comparing coverage needs among top-rated carriers to deliver the lowest premium for their protection. Our customers save 40% on average as a result.
Protecting your garage and your home shouldn’t cause you to overpay. Get a free homeowners insurance quote or contact one of our agents today. We can even help you bundle and save more on auto insurance in Colorado!