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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?
Wiki User
∙ 17y ago
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).
Wiki User
∙ 17y ago
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Yes
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Your Homeowners insurance policy will pay for damages that result from the covered perils specified on your insurance policy subject to the policy limits and any deductibles listed therein.
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Yes, they are through their homeowners policy.
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No, you need to go after the manufacturer of the product.
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. //
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.
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 my window covered for the damages?
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.
