If my garage burns down, will my car be covered by home insurance or auto insurance?

Answered by Home Insurance, Car Insurance Expert Alexah on March 25, 2021

My neighbor had to deal with a garage fire recently. His truck was parked inside and suffered some damage. This got me thinking: Which form of insurance will cover my car if my garage burns down?

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Home Insurance, Car Insurance Expert

“If your garage burns down and your vehicle is inside of it, your car would be covered under your car insurance, not the homeowners insurance. Most homeowners policies exclude coverage for any type of vehicle with a motor in it, so it’s important that you keep active insurance on both your vehicle and your home. “

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