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Does homeowner insurance cover damage to uninsured car in garage?

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Answered
2012-05-22 05:44:00
2012-05-22 05:44:00

Sure, if the roof falls on it, or there's a fire. But it won't cover anything that happens on the road. Check in with your insurance agent.

Most homeowner policies exclude damage of any kind to automobiles.

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2014-10-15 20:49:55
2014-10-15 20:49:55

No, and Never, Homeowners insurance does not provide coverage for a motor vehicle designed to be driven on public roads, not for property nor the liability, and not even if your roof fell on it.

That's what auto insurance is for.

When uninsured, the vehicle owner is taking the risk of an out of pocket loss, coverage can not be transferred to a vehicle from a home insurance policy.

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Related Questions


No, unfortunately it does not. Your homeowners insurance covers damage to your home. Your auto insurance covers damage to your car.


Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.


No, it would not cover damage of that nature. Garage Keepers insurance provides protection in case a vehicle is damaged by fire, theft, vandalism or collision.



Absolutely they can ! If you start a garden fire - it's YOUR responsibility to (a) make sure it doesn't get out of control and (b) make sure it doesn't damage anyone else's property !


Your homeowners insurance will cover your garage door subject to your deductible since it is part of your house. Your Home insurance does not cover damage to a vehicle though. That's what Auto insurance is for. Your friend will need to contact his auto insurance to fix his vehicle.


Today's Homeowner with Danny Lipford - 1998 Ultimate Garage was released on: USA: 12 November 2012


Yes, most of the time. Barring an exclusion to the contrary in your policy.


It depends on how the damage was caused. It must have been caused by a "covered cause".


Your garage insurance should be covered by home owners insurance or renters insurance. I am not sure you would need liability insurance in a garage though, because no one else would be hurt in there.


If the garage is attached to your home then it would be covered under Coverage A of your policy. If the damage was caused by a bad storm then more than likely the damage would be covered under your policy. If you have a HO-3 policy then the damage should be covered. Call you agent and ask him/her to review your policy to determine if the damage is covered before you call your insurance company.


If your garage door was damaged by a covered peril such as wind, hail, Fire, Lightning etc, Then yes it would be covered minus your deductible. If the garage door is just old and worn due to usual wear and tear then No, that would be a maintenance issue.


If you have wind and hail coverage on your policy and the detached garage is a covered structure on that policy then Yes, your policy would cover the damages.


Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.


No, your tenants policy will only cover your contents. Unless you are negligent in the garage door being damaged, like you drove into it. Then yes it would be covered under your liability coverage but the homeowner would still need to go through his insurance company and subrogate against yours, most insurance companies do not work directly with the third party and rather deal with another insurance company. More specifics regarding the damage and how it happened would be required to assess as well as your policy wording, I suggest calling your insurance company and discussing it with there claims office, most insurance companies will have some sort of claims guarantee where they will consult you on the claim before making it affect you.


The car must have its own comprehensive insurance coverage for this type of a loss. The only exception is for car parts that are not attached to the vehicle at the time of the loss - such as stored tires and wheels.


A person can find garage liability insurance through their business insurance provider. There are usually several insurance providers that specialize in small businesses.


You might use the following adjectives to describe the word damage: severe, minor, storm, tornado, major.Here is an example of a sentence in which the word stormis used as an adjective to describe damage. The customer filed an insurance claim for storm damage to her garage.


There are many reputable insurance companies that provide garage liability insurance. Progressive, State Farm, and Geico are all good companies and can assist you.


A comprehensive insurance policy would probably cover damage as described. However, the deductible and potential premium increase for making a claim might make it more advantageous to not make a claim.



Insurance for a garage can be obtained by any company who offers insurance for your home. Some places to start looking include Garage Netquote, Progressive, and State Farm. All can be researched online or may contact their local offices.


It would cover you under your Buildings insurance


In most States, this will be a homeowner claim. You may be able to imagine that this is a similar type of peril as if an aircraft had crashed into your home... which would also be covered under your home policy - assuming your homeowner's policy form does not exclude that sort of coverage. Since its your home that is now damaged, this is where Id start my claim. Your car is not damaged therefore it needs no claim for damages, although your car insurance's property damage may cover this as well. Id call and check with your insurance companies on this.


If your garage doors were damaged by a covered peril as defined by your home insurance policy then the door would be covered.



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