Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

If My Garage Burns Down, Will My Homeowners Insurance Cover the Damage to My Car?

Question: If My Garage Burns Down, Will My Homeowners Insurance Cover the Damage to My Car?

burnt garage

Answer: Your homeowners policy specifically excludes motorized vehicles from your contents or personal property coverage. Though most companies do make exceptions for Lawn Mowers and Snow Blowers.

You would need to use your car insurance to set up a claim to repair your car if your policy has Comprehensive or Other than Collision Coverage included. If you only carry liability coverage on the vehicle you would not be compensated for your loss. 

The same answer would apply if your garaged collapsed and damaged your car(s).

Most companies would treat this at two separate losses and you would have two separate deductibles to pay. Some companies would treat this as one loss and you would only have one deductible (Usually the highest of your home or auto). Be sure to ask your agent if you would have one deductible or two in this hypothetical situation. 

 

 

 

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075
dave@insuringchampaign.com

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