3 Thoughts on Would my car be covered under house insurance?
  1. Huntsman
    July 22, 2012 at 12:00 pm

    Quick note:
    Doing this can hurt you. When you sign up for insurance again they will ask you if you currently have insurance. Not having current insurance is likely going to increase your rate. (for some reason it looks bad to insurance companies when you go for a time without insurance – ask anyone)
    Better idea is to call your current car insurance company.
    They may give you a price break

  2. lucy
    July 22, 2012 at 12:52 pm

    Your house insurance will not cover your car and vice versa.

    When my former mother in law would visit us 6 months a year from Florida to our home in the midwest, she would park her auto in the garage, and only have comprehensive coverage on the auto. Since not driving and parked, did not need liability or collision. But only needed comprehensive to pay if a storm hit the house/garage and damaged the vehicle. Then when she came home, would call the agent and get full coverage again.

    Sometimes by cancelling, your rates can go up since “uninsured”, so maybe talk to your agent/company to see an optimal choice for 3 months.

    good luck

  3. StephenWeinstein
    July 22, 2012 at 1:00 pm

    No. House insurance specifically excludes (1) car theft, and (2) anything that happens to any car owned by the same person owned by the same person as the house.

    The only possibly way to get house insurance to cover anything that happens to a car is if your house damages a car belonging to someone else, and that person sues you for the damage that your house caused to the car of the other person. This is mainly an issue when a commercial parking garage collapses and crushes all the cars inside.

    However, you should contact your car insurance company and ask (1) if they can offer you a reduction in the price for the time that the car is not being driven, and (2) if not, whether you can temporarily drop collision insurance (since the car is not being driven).

    Also, you should make arrangements to have someone keep the battery charged while you are gone or jumpstart the car when you return, since batteries do not always hold a charge for three months.

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