Does homeowners insurance cover the cost of car damages that are in a garage that is attached to the house?
Tuesday, July 7th, 2009 at
12:16 am
Dani asked:
If vehicles are destroyed in your garage in a house fire, I assumed if they were covered, but maybe not??? Why should my vehicle ins pay the cost of this?
If vehicles are destroyed in your garage in a house fire, I assumed if they were covered, but maybe not??? Why should my vehicle ins pay the cost of this?
Tagged with: Homeowners Insurance • Insurance • Insurance Cost
Filed under: Homeowners Insurance
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Of course home owners fire insurance should cover the cost. Unless you want to go with the car insurance check for total dammages and which pays out better. My insurance House life auto is with the same company. SORRY FOR YOUR LOSS. I have been thru a house fire and it’s rough
You should read through your actual insurance polices and exclusions to see if you have all the coverages that you require. Your needs are special to you, you should discuss anything you do not fully understand with your agent that sold you your insurance policies.
some policies do,and some dont,some policies wont even cover a garage now thats connected to a house because of the risk of the car or vehicle causing the fire,you,ll have to read your policy real good to find this out,good luck with it.
Im going to go with a big NO.
Your vehicle isnt part of your home.. just like your home isnt a part of your vehicle ( i love when people expect me to pay for their stolen laptop when they kept it in their car.. im a car insurance adjuster)
Im no expert in homeowners insurance but i can pretty much bet they would not cover this since it is not part of your home or a household item. But dont trust a bunch of strangers that are guessing.
Its always crazy to see how many people wait until something bad happens to read their policy- read it now!
I have yet to see a Homeowners policy that covers this. Look at your policy and I am sure you will find a disclaimer that states “no insurable vehicles, including autos, boats, and motorcycles are covered under this policy”. Motorhomes and travel trailers are also not covered.
Absolutely not. If you are in the US, all motorized land conveyences that are subject to motor vehicle registration (whether they are registered or not, does not matter), are specifically excluded on your homeowners policy. No ifs ands or buts. If you wanted coverage for fire, you should have purchased comprehensive (fire, theft, vandalism, etc) coverage. Read your policy. It will tell you this under exclusions. If you can’t find it, call your agent & they will show you where it is in the policy.
Your car insurance does not cover personal property (a homeowners coverage) and your home policy does not cover your car. Sorry.
The purpose of homeowners insurance is to provide coverage for your home and it’s contents. It also provides coverage for liability that arises from the use of your premises.
The purpose of automobile insurance is to provide coverage for damage to your automobile and any damages/injuries that you cause while using your automobile insurance.
You purchase insurance to cover a specific need/risk. The risks associated with a home are different from those associated with a car. Therefore, each risk is insured under a policy that was written to cover that specific risk.
Your home owners policy has a provision in it that excludes coverage for damage to your automobile. Your auto policy has language that excludes coverage for personal property in the vehicle (so the Van Gogh painting you were storing in your trunk is not covered under your auto policy if it is stolen from your vehicle)
If your car where damaged while parked in the garage – you would have to file under the comprehensive coverage on your auto policy. If you did not have comp coverage and had liability only – you would be SOL.
No. Your automobile is excluded from your homeowners policy (though it WILL cover your neighbor’s vehicle if it were damaged due to a house fire). Your auto comprehensive coverage will cover a fire loss.
Homeowners insurance with fire coverage will cover the structure, and the furnishings. Do you think a vehicle is part of your home furnishings?
Car insurance, if you have collision, fire and theft coverage added to it, will cover your car being destroyed by fire no matter where the fire started. It will be less your deductible of course.
YES YES YES YES YES IT SHURE DOES AND IF IT DOESNT THEN BY ALL MEANS YOU HAVE THE WRONG INSURANCE BUT BY ALL LAWS IT SHOULD COVER THE COST OF REPLACEING THE VEHICALE OK GOD BLESS……..
No, no, and no!
Homeowner insurance does not cover any of your vehicles that are built for road use and require registration to run on the roads. If your car is destroyed when the garage burns down, it is covered by auto comprehensive insurance. Autos are not home contents even if you have them parked in your living room and sit in them to watch tv. They are not home contents even if you have them parked in the bedroom and sleep in them. If is no different from having your tv in your car because you were taking it to a friend’s place. Somebody opens the door, and smashes the screen, your auto policy does not cover it, is off-premises contents from your home policy.
The person that says their car is covered in the driveway by the home policy is wrong. If you are mowing your lawn, and your mower throws a rock through the windshield of somebody else’s car, your home policy covers it under tpl. If your mower throws a rock through your own car windshield, your auto comprehensive covers it. You would be surprised how many people are sadly disappointed when they make a claim for something they thought was covered by a policy because they took the word of a neighbour, or a guy at the service station, instead of an insurance broker.
Oftentimes, if you have your house insurance seperate from your car insurance, the companies will argue over who is the responsible agency, and you will have to deal with their nonsense. You should have a choice of what agency you want to file your claim, however, your policy will may require you to follow certain steps, or file a certain way. Not all household insurance will pay, I had a situation where there was an injury in the driveway, while working on a car. The household insurance claimed it should go under car insurance, and car insurance kept insistenting someone was driving the car(they were underneath)and their program didn’t allow for someone being underneath, the end result was that it went on car insurance.
If your garage is part of your house,(attached) your homeowners insurance should cover the vehicle the same way it would your furniture, as long as it was inside at the time of fire.
Mine does. Mine also covers damages to vehicles in the driveway, such as a rock from a lawnmower breaking a windshield. It is considered personal property on my policy. I am sure everyone’s policy is different so you will need to check your policy itself.
YES IT SHOULD.