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?

Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“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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