Are Roller Garage Doors Covered by Home Insurance?

Generally speaking, roller garage doors are a durable and robust addition to every property, also serving as a deterrent against thieves. However, even the most solid garage door can break or be broken into. Whether your electrics have broken or you’ve been a victim of a robbery, having the peace of mind that your garage door is protected by insurance can make things a little easier.

But are roller garage doors always covered by insurance? In this article, the team here at Rollerdor will explore this question in more detail.

 

Are roller garage doors covered by insurance?

Yes, in most cases, garage doors will be covered by home insurance policies as standard. However, this will depend on your specific policy as well as the type of garage you have. Therefore, we always advise you to consult with your insurance company to check what applies to you.

The two main types of garages are as follows:

Attached garages 

A garage that shares at least one wall with the main property; these garages, including the doors, are almost always included in home insurance under your buildings insurance cover.

This is because they are deemed lower risk compared to detached, standalone garages and if they are equipped with additional safety features, then premiums may even be cheaper.

Detached garages 

This is a standalone structure, or outbuilding, that is not physically connected to your house. They are more common in older homes that were built before the 1950s.

While they may still be covered as part of your building’s insurance cover, it is less likely they will be included as standard. This is because they are deemed to be higher risk as they are not attached to your home, and therefore more vulnerable to break-ins and weather damage. You may have to include these garages in your insurance as a separate add-on.

What will insurance usually cover for garage doors?

If your garage door is covered by your insurance policy, it will typically cover the following:

• Fire damage
• Storm damage
• Theft
• Vandalism
• Vehicle impact
• Accidental damage (this may be an optional add-on)

While these things are normally provided as standard, it’s important you properly check the details of every individual policy before taking it out or making a claim.

What is usually excluded by insurance?

In contrast, some things that are unlikely to be covered even if your garage door is protected include:

• General wear and tear
• Poor maintenance
• Damage as a result of neglect
• Unauthorised repairs (damage caused by non-approved contractors)

Again, check your policy carefully to ensure you know what is and isn’t covered.

How to make sure your garage door is covered by insurance?

If having your garage door covered by insurance is a non-negotiable for you, there are a few things you can do. This includes:

• Add accidental damage – Even if your door is covered by your standard policy, it’s worth adding accidental damage to cover any issues that may arise unexpectedly. This is especially important for automated doors.
• Upgrade security – Add additional security features for lower premiums and to meet insurer requirements.
• Increase outbuilding limits – Standard policies tend to have low outbuilding limits. To guarantee coverage, you may want to consider increasing these limits.

At Rollerdor, we provide homes and businesses nationwide with quality roller garage doors that enhance aesthetics and boost functionality. All our products are manufactured right here in the UK and come with UKCA marks that guarantee quality. To find out more about our product range or to place an order, contact our friendly team of experts today.