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If your golf clubs totaling 2300 are stolen from your vehicle parked in front of your house is it covered by homeowners insurance?

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2015-07-16 19:20:31
2015-07-16 19:20:31

Should be. Theft is a covered peril for personal property and personal property located in the vehicle does not change anything. Your automobile policy wont cover the golf clubs. //

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Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.

No. Homeowners Insurance does not cover Hail damage to an Automobile.Hail damage to an automobile is covered by the vehicles Auto insurance policy. Vehicles are not scheduled property on a homeowners policy.

No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.

No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.

No, I'm afraid not. Homeowners insurance never covers a vehicle. That's what auto insurance is for

No,, That would be covered under your auto insurance policy. Homeowners insurance does not cover damages to street vehicles.

No. It needs it's own separate insurance. Homeowners insurance excludes vehicles.

It depends, You do no mention what type of vehicle. Homeowners insurance polices will not cover damage or theft of a motor vehicle designed for use on public roads.

Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.

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.

Yes but there is no coverage for the vehicle under the homeowners policy.

Typically no. They do not cover the appliance or system from which the water came. If a vehicle hit it or it was vandalized it would be covered.

If you have insurance on a car anyone who you give permission to drive the vehicle is covered under your insurance. This is normally covered when insurance companies ask if there will be any other drivers for the vehicle.

No, vandalism is covered by comprehensiveinsurance.

NO, Homeowners insurance does not cover automobiles.

A homeowners policy does not cover and specifically excludes self-motorized vehicles except for lawn mowers used exclusively for maintenance of the property insured. Even in this case the mower is covers if damaged in a covered cause but bodily injury is not a coverage included on a homeowners policy.

No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.

No, Homeowners insurance does not provide comprehensive, collision nor liability insurance for your vehicles. Now if somebody's vehicle hits your house, your home insurance would cover the damages to your home.

Of course NOT. Homeowners Insurance does not cover auto accidents. That's what Auto Insurance is for.

Any motor vehicle is not covered under the HO policy.

No. Auto insurance will only cover the vehicle and items that came installed standard on the vehicle. You can, however make a claim on your homeowners insurance for other items stolen from your vehicle. Homeowners insurance gives you coverage for items off premises up to 10% of your contents coverage on the policy. This is to cover situations like this, thefts or damage while on vacation, and even dependent children's items while in a dorm room. The biggest problem is that you will have a deductible for damage to the car and another deductible for the items stolen and covered on the homeowners policy.


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