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Does home insurance cover a car in a garage?
Our car was parked in our garage last night. Someone broke in and smashed the windows of our car and keyed it. Would our home insurance cover the car since it was in the garage?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that happened to you! Although your car was parked in your garage, your home insurance won’t cover your car.
To have the damage to your car covered, you’d need
comprehensive coverage
on your car insurance policy. Comprehensive covers non-collision-related incidents, like theft and vandalism. While your home insurance doesn’t cover your car, it does cover your garage. If the person who broke in damaged your garage in the process, your home insurance will cover the damage.
Both vandalism and theft are
covered perils
under home insurance policies. Additionally, if any personal property was stolen from your car, your home insurance would cover that. You’ll want to get in contact with both your home insurance and
car insurance
companies to determine your next steps. If you don’t have comprehensive coverage or want to save some money on your insurance policies, consider using the
Jerry
app. Jerry is the easiest and most effective way to find a home insurance policy that is customized for you. You can even bundle your policy with your car insurance for the most savings. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy.
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