Oh no—mistakes happen, but renters insurance does not cover garage doors or any physical part of the structure or dwelling.
Renters insurance only covers your personal property and offers personal liability coverage, so, in this situation, you should contact your car insurance
company and file a claim
. Your car insurance policy’s property damage liability should cover the cost of repairs, but your premium will likely increase after filing the claim.
Even if you can submit a claim with your car insurance, you should also contact your landlord or property manager. They likely have insurance in place for damages like this, so you may not be required to pay for the damage.
Finally, if you want to ensure you’re not overpaying for either your renters or car insurance, you should use Jerry
. Jerry is an insurance comparison app that shops for low prices with top insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away.