Does Home Insurance Cover Cars in the Garage?

Cars are a big part of your home, and if your home is destroyed by a fire or other major damage, your car may be affected as well. Your home policy is going to cover far more than you might imagine and it may even help cover damage to your vehicle. For those that live in the Huntington, MD area, the agents with Monterey Insurance Group, Inc. can help you find out just what your policy covers and what coverage you may need to add.

How does your home insurance protect your car?

Your home insurance is going to cover damage to your car if it is damaged in a fire or other disaster that affects the home. This may not be the best way to go about getting your car fixed, however. It is always beneficial to check into filing a claim with your car insurance as well. Though your home insurance will cover damages, it may be more beneficial to file with your auto insurance as it is more specifically tailored to coverage for your car. This means that if your car is damaged but not destroyed, it may be better to file with your auto insurance. For those cars that are totaled, it may be better to file with your home insurance if there is enough coverage on the policy. Similarly, the level of damage to the home may also affect how beneficial it is to file with your home policy.

It is always best to speak with an agent if you have any worries about what your coverage is going to help pay for. For those that live in the Huntington, MD area, the agents with Monterey Insurance Group, Inc. can help you determine which policy to file with and can help you to learn if you have enough coverage or not if your car is destroyed in a disaster that strikes your home.