Does Renters Insurance Cover Garage Doors?


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Updated: May 22, 2024

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If you’re a renter, chances are garage doors aren’t your responsibility. Since they are part of the building’s structure, any damage caused by a covered loss would be paid for by your landlord’s insurance policy.

However, if your car was what caused the damage, property damage liability under your auto insurance covers the expenses up to your policy's limit. And if someone else’s car causes the damage, their property damage liability covers the cost of repairs or replacement.

MoneyGeek further details why renters insurance doesn’t cover garage doors and outlines some reasons you need coverage for this peril.

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Garage doors aren’t covered by renters insurance. You are only responsible for their repair or replacement if you cause the damage with your vehicle. That’s where your auto insurance policy’s property damage liability will step in to cover the damages.

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Why Doesn’t Renters Insurance Cover Garage Doors?

In general, renters insurance only covers damaged or stolen belongings, personal liability and additional living expenses if your rental unit is uninhabitable due to a covered incident. That means you don’t have to worry about garage doors since they are not your personal property.

Damage to garage doors typically falls under landlord insurance, and it’s the responsibility of your landlord to cover the expenses. However, there are instances where your auto insurance policy takes care of the repairs or replacements.

For example, if your car accidentally drives into your unit’s garage door, your car insurance policy’s property damage liability coverage would pay the damages. Property damage liability insurance pays for the cost of repairs if you are at fault for a car accident that damages another person’s property. That coverage is required by law in most states.

Similarly, car damage is another peril not covered by a renters policy. In this case, a full coverage car insurance policy protects you from financial losses.

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Do You Need Coverage for Garage Doors?

Your renters insurance won’t cover garage doors. But having coverage for them in an auto policy can be advantageous, especially in the event of an accident. Below, MoneyGeek explains when you need coverage for garage door damage as a renter.

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    At-Fault Car Accident

    If you accidentally hit your rental unit’s garage door with your vehicle, your auto insurance policy’s property damage liability coverage ensures you won’t have to pay out of pocket.

Where to Buy Renters Insurance

Most major insurance providers, including State Farm and Travelers, offer renters insurance. But you can also purchase a policy from smaller companies, like Lemonade or Toggle. The average cost of renters insurance is $13 per month, but this may change depending on several factors. You should read why comparing quotes for renters insurance is important to get the best policy for your needs.

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About Mark Fitzpatrick


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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.