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.