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Does renters insurance cover damage to your car?
My car was parked at my apartment and someone smashed the window. I have renters insurance. Would my renters insurance cover the damage to my car?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m so sorry to hear that happened. Although your car was at your apartment, your renters insurance won’t cover the damage to your car.
While your car is personal property, all homeowners and renters policies exclude motor vehicles from coverage unless:
- They aren’t registered for use on the road.
- They are only used on your residential property.
That said, you would have coverage if your personal property was taken and damaged in your car. For example, if your computer was taken from your car, you’d have coverage.
To fix the damage to your car, you’ll need to file a claim with your
car insurance company
. Your comprehensive coverage
would cover the broken glass. If you don’t have comprehensive coverage, you’ll likely have to pay for the cost out of pocket. If you’d like to learn more about what your renters insurance covers, reach out to an agent or review your policy terms and conditions.
Since you’re reviewing both your car and renters insurance policies, consider using
Jerry
to ensure you’re getting the best coverage for the lowest rate. Once you download Jerry, answer a handful of questions that will take you roughly 45 seconds to complete and you’ll immediately get car and renters insurance quotes for coverage similar to your current plan. Jerry customers save an average of $887 a year on car insurance.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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