Does homeowners insurance cover a car damaged on my property?

My son’s girlfriend’s car was damaged while parked in my driveway during a windstorm when the basketball hoop blew over. Should I file a homeowners insurance claim?

Apr 14, 2021
Answer provided by
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Shannon Martin
Answered at Apr 14, 2021
“This type of claim should be filed under the girlfriend’s auto insurance. In this instance, she would need comprehensive coverage.
Depending on the extent of the damage and the deductible amount, it may be better for her to pay for the damages out of pocket.
If you file a claim through the homeowners policy, it would likely be denied.”
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