Does Car Insurance Cover Hitting A Garage Door?

If you are wondering whether the many options for car insurance cover hitting a garage door, know that garage door coverage is usually found in homeowners’ insurance. Read on to know more.
Garage door
Does Car Insurance Cover Hitting A Garage Door?
This blog attempts to answer the question: Does car insurance cover hitting a garage door? Let’s explore what would constitute garage door repairs.
In this article

There is a common question among homeowners about whether their car insurance covers garage door repairs. The damage caused by vehicles to garage doors is not uncommon, even though it may initially seem odd. Let us learn more about such damages and their insurance coverage as we answer the question: Does car insurance cover hitting a garage door?

Does my car insurance cover damage if I accidentally hit my garage door?

You will be responsible for any damage to your garage door if you accidentally run into it. You can use your homeowner’s insurance to cover the damages. However, a liability policy will cover damage to someone else’s garage door if you hit it. 

What should I do immediately after hitting my garage door?

The first thing you should do is get an estimate to repair the damage and make sure everyone around is safe. If the damage estimates are less than your deductible, you should fix it yourself. 

An estimate that is higher than the deductible might make it worthwhile to file an insurance claim. Your premiums will increase if you file more claims. It’s up to you whether filing a claim is a good idea.

What type of coverage would cover garage door damage?

You’ll be responsible for the damage if you accidentally damage your garage door. Someone else’s insurance may cover damage to your garage door if one accidentally hits it with one’s car. Garage door coverage is usually found in homeowners’ insurance.

A comparison of car insurance quotes on Beem can help you get the best deal for your budget and provide the coverage you need in case of an accident. 

Is garage door damage covered if it’s my fault?

The homeowners’ insurance covers accidental damage to your garage door, but it does not cover intentional damage. A standard homeowner’s policy should cover garages attached to homes.

Does homeowners insurance cover garage door damage?

Almost all states require drivers to have liability coverage on their policies, which can help cover garage door accidents. If damage occurs, this coverage can help pay for repairs. Liability coverage could cover the cost of repairs, depending on the amount purchased, but it may not cover them completely.

Will insurance cover damage if I hit someone else’s garage door?

The person who crashed their car into someone’s garage door is liable for the damages. Your liability coverage will cover property damage. However, if the driver’s insurance doesn’t cover all the necessary repairs, your homeowner’s insurance may cover them. A homeowner’s insurance policy may cover damage caused by a car crash into someone’s home if they do not have insurance. 


So, does car insurance cover hitting a garage door? Liability coverage, which provides coverage for crashes that occur on a property such as a garage door, is required by most states. It is, unfortunately, quite common for people to damage a garage door with their car. However, many people don’t even consider the possibility of this happening. It is essential to be proactive and understand the full extent of your coverage to be ready to handle any situation that might arise.

Remember, you can use Beem to find the best insurance quotes to help you make the right choice. Auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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