Does home insurance cover a car that was damaged while parked in front of my house?

I parked my car in my driveway last night. This morning, I woke up to find that the rear bumper was dented. I have no idea how this happened; I suspect one of my neighbors or a passerby accidentally hit my car. Will my home insurance cover this damage?

Answer
In most cases, your homeowners insurance is not going to cover a vehicle that is damaged while it’s parked in front of your house. That coverage would fall under the auto insurance policy for the vehicle. The only time your homeowners insurance might offer coverage is if the car does not belong to you and the owner finds you to be liable for damages in some way.
avatar
Alexah Grinnell
Answered on Mar 25, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.