What Home Insurance in Oklahoma City Covers if a Guest Damages Your Property

When Angela hosted a back-to-school barbecue at her Oklahoma City home, she never thought anything could go wrong. But halfway through the afternoon, her friend’s teenager took a skateboard down the driveway—straight into her garage door.

​The result? A large dent, chipped paint, and one very awkward conversation.

It’s moments like these that raise a surprisingly common question: if a guest accidentally damages your home, will your homeowners insurance help cover it?

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How Guest-Caused Damage Is Typically Handled

Most standard homeowners insurance policies have two main coverage types that might apply:

Dwelling Coverage

If the damage impacts your home’s structure—like walls, floors, roof, or garage door—your dwelling coverage could step in. However, coverage may depend on the type of damage and whether it was truly accidental.

Personal Property Coverage

​If a guest damages belongings inside your home, such as furniture, electronics, or appliances, personal property coverage may help with repairs or replacement.

​Where Liability Coverage Fits In

While liability coverage is usually thought of as protecting you if someone gets hurt on your property, it can also sometimes apply to damage caused by others that you’re found responsible for. For example, if a contractor’s employee causes damage, your liability coverage may step in—depending on the circumstances.

Important Details to Keep in Mind

• Your deductible matters. If the repair cost is less than your deductible, it may not be worth filing a claim.
  
• Negligence may affect coverage. If the damage happened due to ongoing hazards you knew about and didn’t address, coverage could be limited.
  
• Guest’s insurance may apply. If the person who caused the damage has their own homeowners or renters policy, their insurance might be the first to respond.
  

Why Talking to Your Agent Is Key

Not all policies handle these situations the same way. Some offer broader protection, while others limit coverage for accidental guest damage. The only way to be sure is to review your specific policy details.
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If you live in Oklahoma City or the surrounding area, Oklahoma Insurance Professionals can help you understand exactly how your home insurance would respond in these situations—and make sure you have the right protection in place before something like Angela’s garage door incident happens.

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Scott Godwin
Founder

Oklahoma Insurance Professionals LLC serves Oklahoma City and the surrounding Oklahoma communities by protecting the people we work with just like we protect our own family members. Home insurance, auto insurance, business insurance, and more. We can help you find the coverage you need. ​​​