Your car is not personal property on your homeowners policy.
I recently spoke with a woman about the various limits of coverage on a homeowners policy. When we talked about her limit on her personal property (the things she owns, within her house and otherwise) she said, “Yes, that’s enough coverage for me unless my car is parked in the garage.”
It was a good thing that she mentioned this, because I needed for her to be aware that a homeowners policy entirely excludes coverage for an automobile in the event of a covered loss.
Plainly stated, if your home suffers damage from a fire, your homeowners policy will pay to repair the home and it may pay to replace much of your property inside the home that was lost, but it will not pay for the loss of your car or any part of a car.
Coverage for vehicles against such things as fire, theft, flooding, falling objects and vandalism can be purchased through comprehensive (other than collision) coverage on the auto policy.
