Does Homeowners Insurance Cover Car In Garage?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    Homeowners Insurance does not cover your auto while in the garage. Homeowners insurance covers the home and not autos. Only your auto insurance policy can protect your auto while in the garage. If you have an auto you do not drive and just store in your garage I would recommend purchasing comprehensive coverage only on your auto.
    Answered on July 23, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Auto insurance covers your car.  The homeowner’s policy does not cover your car.  Comprehensive coverage is what you need to pay damages to a car involved in a fire.  If you have an older car, you might continue to carry comprehensive for just such an occurrence.
    Answered on June 24, 2014
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