It is a misconception that home insurance will cover a car parked in the garage. A fire or home collapsing on the vehicle will not be covered on a home insurance policy. The only place to find coverage is on an auto policy. Some insurance carriers might let you add an endorsement to your home owner's policy if the vehicle is an antique. Definitely, verify with your insurance agent what coverage is offered by a home insurance policy.
What Does Comprehensive Cover?
Windshield Coverage
Both chipped windshields and cracked windshields are covered under comprehensive coverage. The cause of the damage will not affect coverage. Any glass damage, including door glass, back glass, and sunroofs all fall within comprehensive coverage.
Deer Accidents
One of the most common comprehensive claims is a deer accident. Comprehensive coverage will actually extend to any animal including but limited to birds, raccoons, and dogs.
Hail Damage
Hail can strike without much notice and you can’t always be parked in your garage. With comprehensive coverage, you will be protected from all those hail nicks.
Fire Damage
Fire can do extreme damage to a vehicle. Whether the fire was engine related or started by your crazy ex-girlfriend, comprehensive will cover your vehicle.
Stolen Car
If your vehicle has been missing for more than 30 days, comprehensive will pay the actual cash value of your missing vehicle minus the deductible.
Vandalism
Any kind of vandalism to your vehicle including your car being keyed or paint being eaten away by the neighborhood kids egging your vehicle is covered under comp.
Flood Damage
If the water table rises to ridiculous heights, comprehensive coverage will get your vehicle dried out. It does not matter what caused the flood whether it is a hurricane, dam break, or torrential rainfall severe water damage is covered by comprehensive.
Tree Falling on Your Car
If you find your vehicle smashed under a tree, the only way your insurance company will pay for repairs is if you purchased comprehensive coverage.
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