If My Garage Burns Down and My Car Is in The Garage, Is My Car Covered Under My Homeowners Insurance or Car Insurance?

The car fire coverage is usually included in the car insurance and as its name indicates is that which is responsible for protecting the driver for the damage caused to the vehicle as a result of a fire or other causes, such as a short circuit or combustion. The insurer, in addition to offering compensation for the damage suffered by the car, also covers the costs of transporting the trailer, the removal of the vehicle and the costs of extinguishing the fire.

It is interesting to note that the fire coverage is marked by the limits established in the policy and the insurance holder must know the exclusions that exist to claim this guarantee. In the latter case, the company will respond to the incident whenever it has occurred in a way that is alien to the will of the driver, whether the car is moving or parked.

Car Fire Coverage

Thanks to this coverage in the car insurance it is possible to receive compensation corresponding to the value of the vehicle or up to the limit set in the policy in the unfortunate event that the car is damaged by a fire. In another case, depending on the level of damage caused, it is possible that the insurer offers the possibility of repairing the vehicle.

In any case, when contracting insurance with the car fire guarantee, it is advisable to check the conditions to be aware of the situations that are outside the protection of this coverage. Thus, most policies establish the exclusion of damages caused by fuels, mineral essences or other flammable, explosive or toxic materials that can be transported in the vehicle, even if they had occurred as a result of an accident covered by the insurance.

Also keep in mind that some elements of the vehicle that aren’t standard, such as GPS or sound devices, may be outside the fire coverage of the car according to what the contract.

Fire Coverages in Home Insurance

Fire and smoke can cause many problems in the home, such as structural damage, destroyed appliances, and installation, damage by smoke, etc. On the other hand, putting out the fire has a cost, as well as staying away from home or moving furniture and fixtures when the condition of the home requires it, or paint the walls obscured by smoke in rooms that have not been affected by a fire, among other drawbacks.

Does all this cover insurance? You’ll have to check your policy to find out. In addition, you’ll have to review the coverage limit. The coverages that you can find are, mainly, the following:

Damage Caused by A Fire

It covers the damage caused by the flames. The compensation is stipulated according to the conditions of the policy. At this point, it is important to take into account whether the insurance covers only the continent or also includes content, as well as the valuation to avoid incurring over-insurance or under-insurance.

Provisional Accommodation

Some insurances include the cost of rehousing during a certain time while searching for another dwelling or repairs to the damage caused by the fire.

Moving the Furniture

If the house needs renovation you may need to remove part of the furniture and other equipment. Some insurances also cover this, guaranteeing the transfer and its cost, as well as the expenses of returning them to the house.

Cost of Firefighters

If the fire is the result of an oversight by the owner, the costs of extinguishing the fire could be borne by him. Many insurances cover the cost of firefighters, although not all cover 100%.

Damage Caused by The Fall of Lightning

Some policies also offer coverage for lightning strikes. In these cases, the insurer would take care of the damages in case the lightning provokes a fire or causes damage to the electrical installation.

Housing Reconstruction

After a fire, if the home has been completely destroyed, the owner can choose between collecting the policy or rebuilding the home. In the case of opting for reconstruction, the policies usually establish a maximum limit of assumed costs, although some offer 100%. In any case, this point must be reviewed in each policy.

Garden Reconstruction

Many elements in the garden can be affected by a fire. Some home insurance includes the reconstruction of the garden and its elements.

What Fire Insurance Doesn’t Cover

Damages caused by the action of heat without the ability to spread (such as an iron that burns something) are not usually included in the fire coverage of home insurance. Nor do they usually cover objects that fall into the fire by accident if the fire is contained in the right place (for example, a chimney).

As for the damages suffered by the objects considered of special value (jewelry, cash, artistic objects, etc.) they are only covered if previously agreed and these objects are properly identified.

In the event that the vehicle is declared a total loss, the insurance company must indemnify the insured as stipulated in the conditions of the policy and based on the age of the car. Thus, the amount to compensate for the loss can be adjusted either to the value of the model in the market, the value to new or according to the market value.

In short, when hiring car insurance is advisable to be as complete as possible to protect the vehicle to the maximum, especially if it is a relatively new model. In the same way, it is also necessary that all the accessory elements are reflected in the policy, since otherwise if a loss occurs, they would be left out of the insurance coverage.

Therefore, if the car is insured against fire and it catches fire while in the garage of your house, the insurance company of the car will be responsible for covering the necessary damages of the car. The damages of the house will be assumed by the insurance of the house. However, you can advise on insurance that allows you to cover your house and your car in a single contract to avoid an excess of paperwork.