Home-Auto Insurance Claims: What's Covered?

Homeowner's insurance does not cover auto accident claims. Consumers are expected to purchase auto insurance for car accidents. However, homeowner's insurance may cover damage to your property caused by a car accident, such as damage to your garage door or fence, or even theft of belongings from your car. Additionally, if a car crashes into your home and the driver is uninsured, your homeowner's insurance may cover the damage, although you may need to pay your deductible.

Homeowner's insurance covers personal injury claims

Homeowners insurance covers personal injury claims by providing accident liability coverage for the property owner. If someone is injured on your property, the liability provision of your homeowners' insurance policy will typically cover any personal injury claim that is filed. This is known as a "third-party" claim. The insurance company will pay for the injured person's losses, including medical bills, lost income, pain and suffering, and other damages, up to the limits of your coverage.

For example, if you have $200,000 in liability insurance as part of your homeowners' policy, your insurance would pay the injured person up to that amount. Most insurance claims settle for an amount at or below the policy limits. However, if the injured person's claim exceeds your coverage limit, you will be personally responsible for any amount above the ceiling.

It's important to note that homeowners' insurance only covers bodily injury liability claims involving a third party. If someone in your household is injured, your homeowners' insurance policy will not provide coverage. Additionally, most insurance policies exclude intentional and criminal acts, such as assault.

Homeowners' insurance can also provide coverage for accidents that occur away from your property. For instance, if you accidentally spill hot coffee on someone at a coffee shop, your homeowners' policy may protect you as long as it was not done intentionally.

To make an accident injury claim against a homeowners' insurance policy, the first step is to notify the insurance company of the claim and provide details about what happened and the compensation being sought. It may also be necessary to review the insurance policy to understand the coverage limits and any exclusions.

While homeowners' insurance covers personal injury claims, it does not cover damage to your car or damage caused by it. That is typically covered under the comprehensive coverage portion of your auto insurance policy.

Homeowner's insurance does not cover car accidents

Homeowners insurance does not cover car accidents. If you are involved in a car accident, you will need to rely on your auto insurance policy to cover any damage or liability. This is because consumers are expected to purchase auto insurance for this specific situation.

While your homeowners insurance does not cover damage to your car, it may pay to replace personal belongings damaged or stolen from it. For example, if your laptop or golf clubs are taken during a car break-in, your insurance company will kick in after you pay your deductible to replace these items.

The only type of car accident that your homeowners insurance will cover is if another person's car crashes into your home, garage, fence, or other structures on your property. In this case, the personal liability portion of your homeowners insurance policy might cover the damage if it can be proven that your negligence led to the accident.

If you are involved in a car accident, it is important to contact your auto insurance company as soon as possible to file a claim. If the accident occurred on someone else's property and you are found to be at fault, their homeowners insurance policy may also come into play.

Homeowner's insurance covers damage to your garage door

Homeowners insurance covers damage to your garage door, even if the damage is caused by you accidentally reversing into it with your car. However, it is important to note that your insurance policy will not cover any damage to your car in this scenario.

If your garage is attached to your house, the dwelling coverage in your home insurance policy will cover any damage to the garage door. On the other hand, if your garage is detached, the other structures coverage in your home insurance policy will pay for repairs.

It is worth noting that each homeowners insurance policy is different, and certain types of damage to your garage door may not be covered. For example, damage caused by a natural disaster, such as an earthquake or flood, may not be covered by your insurance company, leaving you responsible for the repairs. Additionally, damage caused by regular wear and tear or intentional acts of vandalism will typically not be covered by homeowners insurance.

It is always a good idea to carefully review your insurance policy to understand what types of damage are covered and what types are excluded. This will help you determine if filing a claim for garage door damage is worth it and ensure that you are fully protected in the event of unexpected damages.

Homeowner's insurance covers damage or theft of belongings in your car

Homeowners insurance does not cover damage to your car, even if it's in your driveway. However, it does cover damage to or theft of belongings in your car, up to the coverage limits in your policy. So, if your laptop, phone, or other belongings are stolen or damaged during a break-in, your homeowners insurance will pay to replace them, minus any deductible.

Personal property coverage on your homeowners insurance policy covers burglary and vandalism by paying to replace stolen or damaged items. This includes items stolen from your car, as well as your home, storage unit, or while you're travelling. It's important to note that homeowners insurance won't cover theft of your actual vehicle; this is typically covered by comprehensive car insurance.

Additionally, if your home or a detached structure on your property, such as a garage, is damaged during a break-in, your homeowner's policy's dwelling coverage and other structures coverage can pay for the repairs.

It's also worth noting that if you bundle your home and auto insurance policies with the same company, you may be able to take advantage of single-deductible claims. This means that if your home and car are damaged in the same event, you only need to pay one deductible for the two claims, which can save you a significant amount of money.

Homeowner's insurance does not cover damage to your car

Homeowners insurance does not cover damage to your car or damage caused by it. This is true even if your car is in your driveway or garage. If your car is damaged in a fire, tornado, hurricane, or other natural disaster while on your property, you will still need to file a car insurance claim. This is also the case if a tree falls on your car—you will need to file a claim with your own auto insurance company to have the damage covered by the comprehensive coverage section of your auto insurance policy.

However, homeowners insurance does cover damage to your garage door, even if the damage was caused by you accidentally backing into it with your car. If your garage is attached to your house, the dwelling coverage in your home insurance policy would cover the damage. If your garage is detached, the other structures coverage in your home insurance policy would pay for repairs.

Homeowners insurance also covers damage or theft of belongings in your car, up to the coverage limits in your policy. This means that if your laptop, golf clubs, or other belongings are taken during a car break-in, your insurance company will pay to replace them after you pay your deductible.

If you are in an accident and damage someone else's property with your car, your property damage liability coverage on your auto insurance policy will typically cover the damage. However, if you do not have enough liability coverage to pay for all the necessary repairs, the person whose property you damaged may be able to file a claim with their homeowners insurance to cover the remaining costs.

Frequently asked questions