Skip to main content
Security TipsJanuary 10, 2025

Gate Insurance Considerations: Protection and Liability

How does your gate affect insurance? Here's what homeowners need to know.

Automatic gates interact with insurance in several ways—from coverage of the equipment to liability protection and potential premium impacts.

Property Coverage

What's Covered

  • Gate as part of property
  • Damage from covered perils
  • Vandalism and theft
  • Storm damage

Coverage Limits

  • May fall under "other structures"
  • Separate from dwelling limit
  • Check your policy specifics
  • Document gate value

Liability Considerations

Potential Risks

  • Injury from gate operation
  • Property damage to vehicles
  • Delivery person injuries
  • Guest access issues

Protection

  • Proper safety devices essential
  • UL 325 compliance important
  • Regular maintenance documented
  • Warning signs recommended

Premium Impacts

Possible Benefits

  • Security discount (some insurers)
  • Reduced theft claims
  • May offset liability concerns

Possible Concerns

  • Added property to insure
  • Liability exposure
  • Varies by insurer

Best Practices

For Insurance Purposes

  • Inform insurer of installation
  • Document safety features
  • Keep maintenance records
  • Review liability coverage

Protected Installation

Standard Gate Co installs code-compliant systems with proper safety devices. Call (323) 488-GATE for information.

Standard Gate Co - Gate Operators and Access Control

Ready to Start Your Gate Project?

Contact us today for a free consultation and estimate