On a particularly groggy morning, you guzzle down a mug of coffee and get into your car. You notice you’re running late for work and throw the car into reverse, but you forget to open the garage door first. This type of situation can happen to even the most careful people, leading to extreme damages to both your house and your vehicle.
Luckily, many responsible individuals and families have auto and home insurance for protection. But which policy helps cover these damages?
Your auto insurance policy is designed to protect your vehicle and provide liability coverage for other people’s property. It does not cover damages to your home, even if they’re caused by your car. You are also likely to find that your personal belongings stored within your vehicle—like a laptop or camping gear—are not covered by your car insurance policy, but rather your home insurance.
If you accidentally run your car through the side of your home or back into the garage door, your auto insurance policy can help cover the damages to the vehicle itself. However, you’ll need to turn to your other policies for more complete coverage of the incident.
To make the necessary repairs to your house after a similar incident, you can often rely on your home insurance to cover the damages. Though, it may help to get a repair quote first. If the cost of repairs does not exceed your deductible, it’s probably not worth filing a claim.
What does that mean? If your car collides with your garage door and leaves some minor scratches behind, you may simply want to pay out-of-pocket to fix them. But if your garage door comes tumbling down as the car drives through it, then it’s worth talking to your insurance provider.
If you have any more questions about what’s covered by your auto and home insurance policies, don’t hesitate to call your independent insurance agent for clarification.
We’ve got the answers. Call Alan Galvez Insurance at (937) 592-4871 for more information on Ohio auto insurance or homeowners insurance. You can also request your quotes.