Does homeowners insurance cover a broken door frame?

Answer 1

It depends on the covered perils of your policy. If it is broken due to settlement, most policies exclude settling of the home from coverage. If someone ran into the door frame with their body or broke it in some other way, there would need to be a covered peril for this, and most policies don't have that. Unless you have an "open" perils policy, which insures everything but the types of damage listed in the "exclusions" section. Take a look at your policy and you will find your answers there. If you have any questions after that call your agent. But really, most likely, the answer is no, it is not covered. Even if it was, it is just a door frame and would not exceed your deductible which is generally 1% of what the home is insured for. So you could be looking as a $1,000 - $3,000 deductible in most cases.