---
title: "Does Homeowners Insurance Cover a Broken Garage Door?"
description: "When homeowners insurance pays for garage door damage (storms, trees, vandalism), when it doesn’t (springs and wear and tear), and what to do if a car hit the door."
url: https://armoredgaragedoorraleigh.com/guides/does-homeowners-insurance-cover-garage-door
language: en
business: "Armored Garage Door Solutions"
phone: "(910) 760-1466"
---

[Home](https://armoredgaragedoorraleigh.com/) / [Guides](https://armoredgaragedoorraleigh.com/guides) / Insurance and garage doors

Insurance

# Does homeowners insurance cover a broken garage door?

**Short answer** Homeowners insurance usually covers garage door damage from a sudden, covered event such as a storm, a fallen tree, fire or vandalism, minus your deductible. It usually does not cover wear and tear, so broken springs, worn cables and old openers are on you. If a car hit the door, the driver’s auto policy usually pays. Check your own policy, because coverage varies.

Armored Garage Door Solutions · Updated November 1, 2026

## Usually covered

- Storm and wind damage, including hail and hurricane winds, subject to your wind or hurricane deductible.

- A tree or limb falling on the door.

- Fire.

- Vandalism or a break-in that damaged the door or opener.

## Usually not covered

- Broken springs and cables. They wear out with use, and policies exclude wear and tear.

- An opener that died of old age.

- Rust, rot and lack of maintenance.

- Flood damage, unless you carry separate flood insurance.

## If a car hit the door

If you hit it with your own car, it is usually a claim on your auto policy’s collision coverage. If a visitor or delivery driver hit it, their auto liability coverage should pay. Take photos before anything is moved, and don’t run the opener on a bent door.

## Is a claim worth it?

Most garage door repairs cost a few hundred dollars, often less than your deductible. A claim usually makes sense only for larger damage, such as a new door after a storm or a car impact. See typical prices in our [repair cost guide](https://armoredgaragedoorraleigh.com/guides/garage-door-repair-cost) and on the [price list](https://armoredgaragedoorraleigh.com/pricing) .

## How we help with a claim

- A written estimate with the parts and labor broken out, which you can send to your insurer or adjuster.

- Photos of the damage before we start.

- A temporary fix to secure the house the same day if the door won’t close.

This is general information, not insurance advice. Your policy and your agent have the final word.

Door damaged and won’t close? Call or text [(910) 760-1466](tel:+19107601466) , 24/7. We serve [Wake Forest](https://armoredgaragedoorraleigh.com/garage-door-repair-wake-forest-nc) , [Raleigh](https://armoredgaragedoorraleigh.com/garage-door-repair-raleigh-nc) , [Franklinton and Youngsville](https://armoredgaragedoorraleigh.com/garage-door-repair-franklinton-youngsville-nc) and [the rest of the Triangle](https://armoredgaragedoorraleigh.com/service-areas) .

**About the owner** JC Antunez is a veteran and the owner of Armored Garage Door Solutions in Franklinton, NC. He answers the 24/7 line himself, in English or Spanish. [Meet JC](https://armoredgaragedoorraleigh.com/about) .

Answered 24 hours a day

## Storm or car damage? We can secure the door today.

Call or text JC’s line. You’ll get a real person, honest advice on what to do right now, and a truck on the way.

[(910) 760-1466](tel:+19107601466)

[Call now](tel:+19107601466) [Book online](https://armoredgaragedoorraleigh.com/book)

---

**Armored Garage Door Solutions** · Call or text 24/7: [(910) 760-1466](tel:+19107601466) · [Book online](https://armoredgaragedoorraleigh.com/book) · Se habla español · [All pages](https://armoredgaragedoorraleigh.com/llms.txt)