Sgould homeowners insurance cover my damaged car?

  • by audrey
  • May 09,2016
  • 10 answers

We recently had an ice storm in my area. I am currently renting my home and do not have renters insurance. During the ice storm there was a large pine tree that fell across my car and did upwards of $3000 in damage. I do not have full coverage on ny car to cover any of the costs. If my landlord has homeowners insurance, should their insurance company cover the damages?


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Insurance Answers (10)

marcella 6 months ago

No, Car insurance (a private passenger vehcile) has its own insurance...
Comprehensive coverage would cover it if it where to damaged while parked in the garage or on the property....like the house burning down or a tree falling on the car in the driveway
Most Homeowners Insurance policies, specifically state that cars are not covered. IN this case your landlord shoudl have a Rental Dwelling Policy
If you believe that the landlord is legally liable for causing damage to your car, like he decided to take a hammer to the car
Now if a tree fell on the car during a storm while it was parked in the driveway, he is not responsible for 'Acts of God'...unless you go the route of suing him because you repeatedly warned him of a dead tree (which has been documented)
.....Licensed Agent for 16 years

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Willie 6 months ago

You have to pay.

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mbrcatz 6 months ago

No. The landlord did not make the tree fall on the car - they are not "liable". And even if you had renters insurance, it specifically excludes coverage for your car.
Sorry - you are uninsured for this event.

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jmm2112 6 months ago

You choose not to carry comprehensive coverage on your car. So you accepted the risk. The landlord's insurance (it's not a homeowner policy) covers only the house and other improvements - not your personal property.

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Dale-E 6 months ago

Home owner's insurance will cover a neighbors car, but not your own car. It is mostly a liability insurance, that is all.

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Judy 6 months ago

no

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Bob 6 months ago

yes

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real estate guy 6 months ago

you are what's called self insured. This means you took on the risk for damages done to your items.
NO. the landlords insurance would NEVER cover this.

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Zarnev 6 months ago

Hopefully the landlord doesn't have homeowner's insurance, because that won't cover either you nor them.
The landlord's landlord policy will cover your car if you can prove that the landlord's actions caused the tree to fall on your car.
For example, if the tree was diseased and if it was the only tree in the neighborhood to sustain damage, and if the landlord knew it was damaged and did nothing to prevent the tree from falling, you can sue the landlord for negligence and their policy would cover your car if you win.

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StephenWeinstein 6 months ago

No.
Let's start with the easy part. Homeowner's insurance cannot, ever, under any circumstances, cover something that happens at a rented home. It can only cover things that happen at owner-occupied homes.
Now, the real question is if the landlord does have insurance that (unlike homeowner's insurance) can cover things at rental property, will it cover your car. This is more complicated. The answer is probably no, but possibly yes. If the tree was healthy and fell only because of the storm, then that's not the landlord's fault, the landlord's insurance can't cover it, and car insurance is the only type of insurance that can cover it, so if your car insurance can't cover it, then no insurance can. On the other hand, if the tree was diseased or dead, and the landlord should have taken it down, but didn't, then there might be some liability/negligence on the part of the landlord, and the insurance might be able to pay something.

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