my car was inside a garage that cought fire will the home owners unsurance cover the damage?

Question

My fathers garage cought fire on friday he is insured by state farm unfortunately my car was inside of the garage.
I whant to now if my fathers insurace will cover personal damage to my property.

Answer 1

You won't need to sue your father.

His homeowner's insurance will not pay for the vehicle damage. All damage to all vehicles are specifically excluded from homeowner's policies.
If you have comprehensive coverage on your car, then your auto insurance policy will pay the claim and if the fire was negligent your insurer may file a subrogation claim on the liability portion of your father's home owner's policy.
If you had personal property inside the vehicle, then your own home owner's policy will pay up to the policy limits for those items like clothes, CDs, household items that you may have had in your car while it was in your dad's garage.

A big word of caution though. PLEASE be patient with the insurers you make claims with. This is a bit of an unusual event with some odd circumstances and they'll need to thoroughly investigate.

Answer 2

No. Homeowners policy does NOT provide property coverage for vehicles that can be registered for road use, regardless of how they are damaged.

Cars are ONLY covered under the auto policy. All these people who say the homeowners policy will cover . . are WRONG. It doesn't. Read the policy.

Now, if your father is LIABLE for the fire, ie, he did something way stupid, you can SUE him for the value of the car. The homeowners may or may not respond, depending on how the car came to be in his garage, and how the fire started.

Oh, but if you live with your father, then you're a household member, and the liability won't respond, either. Sorry. You need to put the claim in on your auto policy.

Answer 3

No. Your cars are specifically EXCLUDED under your homeowners insurance policy. Whoever told you that, was ALMOST right. When a tree hits your garage and damages it AND stuff inside, the stuff inside IS covered for "damage by falling objects", UNLESS the property type is specifically excluded under your homeowners policy. Like your car. It's remotely possible that you do NOT have a standard homeowners policy, and the car would be covered - but under the STANDARD homeowners policy, it would NOT be covered. Since you've got that claim anyway for your garage, it sure doesn't hurt to ask about the car - just don't expect them to say yes.

Answer 4

mbrcatz is correct.

HO policies do not cover damage to your auto. The only way you may be able to obtain coverage would be if you were not a household member and your father was responsible (legally liable) for the fire. In that case the liability portion of his HO policy might pay.

Answer 5

With homeowners insurance it will not cover your vechile. nor would it cover your fathers if it was inside. Thats where your personal auto policy will have to come in. I know it sounds like it should but unfortunately that is one thing that homeowners will not cover. I just hope you did have full coverage on your car. Hope this helps.

Answer 6

yes that is covered under the homeowners policy as personal property. Every insurance company is different and they are all out to screw you so may try to limit the covereage but it isn't his and I think it will be but there may be limits to the coverage amount.

The determinate factor is the policy.

Answer 7

They will probably pay for some but not all of the cost. Your insurance, unfortunately, will have to pick up the rest.

Answer 8

If he had fire coverage, it should. Check with State Farm for all of the particulars.

Answer 9

It should and if it does not, your auto insurance should cover it.