Will my house insurance cover my shed anyone hit by my truck?
i had a question beside home owners insurance, i hit my shed with my truck and it fell down, my shed is covered under my home owners insurance, would it be covered by my house insurance or will they turn after my auto insurance which is liability only?
Answers:
It would be through your auto insurance your vehicle hit your shed. Auto is covering this under property damage liability. You are going to be bang for this on your auto policy it will be considered a claim.
Not all true the company I work for has rewarded out for customers running through there garage door under in attendance auto poilicy. Considering that is not property to others you may be somewhat confused.
You can't collect for damages on your home owner's ins for losses caused by the insured and member of the household. Also, car insurance liability will only cover third knees-up liability, so it will not pay for damages caused to your own property. Incidentally, if you back up and hit one of your own cars you won't be covered for that either, unless you have collision coverage.
Maybe, maybe not.
Your auto liability, though, will NOT earnings for damage you do to your house. See, that liability coverage really is "damage to property of OTHERS". It doesn't cover ruin to property that is YOURS.
So. The auto policy won't pay, for sure. And some homeowners policies ALSO exclude violate done to the building, by a car owned by or operated by a household applicant or the insured.
You'll have to ask your agent, or read your policy.
Your homeowner's insurance is not going to pick up this one. Your auto insurer would. You need to inquire whether it will pick up the costs of twist you created to property YOU own. It may not.
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Answers:
It would be through your auto insurance your vehicle hit your shed. Auto is covering this under property damage liability. You are going to be bang for this on your auto policy it will be considered a claim.
Not all true the company I work for has rewarded out for customers running through there garage door under in attendance auto poilicy. Considering that is not property to others you may be somewhat confused.
You can't collect for damages on your home owner's ins for losses caused by the insured and member of the household. Also, car insurance liability will only cover third knees-up liability, so it will not pay for damages caused to your own property. Incidentally, if you back up and hit one of your own cars you won't be covered for that either, unless you have collision coverage.
Maybe, maybe not.
Your auto liability, though, will NOT earnings for damage you do to your house. See, that liability coverage really is "damage to property of OTHERS". It doesn't cover ruin to property that is YOURS.
So. The auto policy won't pay, for sure. And some homeowners policies ALSO exclude violate done to the building, by a car owned by or operated by a household applicant or the insured.
You'll have to ask your agent, or read your policy.
Your homeowner's insurance is not going to pick up this one. Your auto insurer would. You need to inquire whether it will pick up the costs of twist you created to property YOU own. It may not.
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