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If you have an umbrella policy, that might cover it. If you have separate standard polices for home and auto, the auto insurance will cover it first. Deductibles might be picked up by the homeowners. Policies are hugely different, though. You need to consult your policies and call your agents. Recently, my father-in-law bashed my car with his while backing out of my driveway. My collision insurance covered the damage to my car. His covered the damage to his. My homeowners insurance did not cover my out-of-pocket expenses for the deductibles, but his liability insurance did. It's a little different in your case because the same policy covers both cars (I assume).

2006-08-23 15:34:01
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Q: If your husband damages your car in the driveway of your home do you file a claim under your homeowners policy or the auto policy?
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Can my husband add my name to a homeowners insurance policy but not to the deed?

Yes


Is the theft of a dog insured by homeowners policy?

No, homeowners insurance is Property Insurance, it does not cover loses or damages resulting from our choice of pet ownership.


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Will homeowners policy cover replacement of driveway culvert?

It all depends on whether or no the driveway culvert is covered by a covered peril listed in your policy and that there is not an exclusion which would then exclude coverage. For example if your policy has the peril of "vehicle collision" in it, and a vehicle collided with the driveway culvert and caused the damage, it would be covered as long as there is not an exclusion saying it would not be covered for some reason. Also, you would have to own the driveway culvert and not the city, as your policy only property you own.


Will your homeowners insurance cover damages caused by a hit and run driver who smashes into your brick wall fence?

Yes, Your homeowners Insurance policy, (unless you have Fire Only) should respond to damages to your home from an automobile.Answeri am an insurance agent and if you have a hit and run such as that description and you do have a homeowners policy. it will be covered under the policy, you will have to pay your deductible and it will go onto your records as a loss but they will pay the damages that are above your deductible, now they will have to prove that it wasnt one your cars doing the damages so you can get a new brick wall and that it wasnt because your wall was old and just fell. and trust me they have their way of proving that.


If you do not have Comprehensive Coverage on your car would your Homeowner Insurance cover vandalism on a car that was parked in your driveway?

No. Homeowners policy specifically exclude automobiles. //


Should homeowners insurance cover water damage that was caused before you moved in?

No. Your policy will only cover damages which were caused by a covered loss during the policy period.


Does homeowners insurance cover wind and storm damage to detached garage?

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.


Does homeowners insurance cover your car when it rolls down a steep driveway into a tree?

No. Your homeowners Insurance Policy does not cover Auto Collision. You will need to file on your Auto Insurance under your Vehicle Comprehensive and Collision Coverage.


Is a homeowners policy a multiline policy?

No, Homeowners policies are considered Mono-Line


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The ability to collect on a claim on your homeowners' policy will be determined by an insurance claims adjuster after consulting your policy. The broken window may, or may not be covered if your child broke it.


Are Water Wells covered under homeowners insurance policies?

No, water wells are not typically covered under homeowners insurance policy. The company that installs the well usually has a warranty that may cover damages, or malfunctions.


Does homeowners insurance cover rental property damages?

No, you would need to purchase an Insurance policy for your Rental Property. Sometimes referred to as landlords Insurance.


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Does your home owners insurance covers hail storm damages to exterior walls of your home?

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Does a homeowners insurance policy have to have the name of the current owners on the policy?

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Does homeowners insurance cover damaged driveway caused by utility company water leak?

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If I have an oceanfront property that is destroyed by wind and waves from a hurricane and have no flood insurance will my homeowners policy cover it?

you would need to prove wind damages - consider hiring an engineer. Waves is the same as flood and excluded by homeowners insurance.


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If I am working as a babysitter and my car is damaged from a falling branch in the homeowners driveway do they have to pay for the damages out of their homeowners insurance?

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