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No. Homeowners specifically excludes self-propelled vehicles with a couple of exceptions such as lawnmowers. The only way a vehicle would be covered in this case is if you have comprehensive coverage on an automobile policy. As a matter of full disclosure, I own and operate a small Independent Insurance Agency for the past 22 years and worked as an agent for direct writers for 3 years prior to that.

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Q: Does homeowners insurance cover theft of your car if it was taken out of your driveway?
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Is one covered for earthquakes by insurance in California?

Most ordinary homeowners insurance policies do not cover the policy holder against earthquake damage. However, additional policies can be taken called earthquake insurance to cover people's property against earthquakes.

Does homeowner insurance cover vandalism to your car and money taken?

Homeowners will not cover anything that happens to your vehicle, it's excluded. Money or personal property not commonly used with an automobile (music cd's, gps, radar etc.) would be covered if "off premises theft" is included on your Homeowners policy subject to policy limitations and deductible.

If your suit was taken from a commuter train does homeowner insurance cover this?


Does full coverage cover if your car breaks down?

It depends what the insurance was taken out for. Accident insurance would not cover this, but extended warranty or breakdown cover would.

What if there is no homeowners insurance and the house is taken by a tornado?

If you had no insurance then you're out of luck. You'll just have to buy a new house or try to rebuild or repair the one that was damaged by the tornado.

What is 'after the event' insurance used to cover?

'After the Event', or ATE, insurance is usually purchased by solicitors on behalf of their clients. It is usually taken out after an 'accident' or 'event' has taken place but before any legal expenses are incurred. 'After the Event' insurance is taken out to cover the cost that must be paid by the Claimant if their claim is unsuccessful.

What is an temp cover?

Temp cover is car insurance that is the same as annual insurance except that except it is for a shorter term on your policy insurance. This insurance policy can be taken out for the minimum of 1 day and up to 8 months.

Define the term GIT?

GIT is short form of Goods In Transit. It is an insurance cover taken by transportation companies to cover for the cargoes they carry.

Anticipated potential problems and developed preventive measures?

This is referred to as contingency insurance, whereby a secondary insurance cover is taken to protect an insured in case the primary insurance cover taken by another party does not respond to the loss for one reason or another. It is also an insurance policy that covers several remote risks, and is bought generally where legal remedies to a loss are slow, uncertain, or non-existent.

If a homeowners claim is paid off and they hire a profesional to do the repairs but the cost of the repairs are more what steps need to be taken for the insurance to issue a supplement claim?

Contact the claims representative and have them adivise you on what to do.

Why would a person only get car insurance for a day?

A person may need cover for a single day if they have borrowed a car from someone whose own insurance policy does not cover this. Similarly, it could be taken out by someone who has lent a car to someone else.

Does home owners coverage cover theft of a trailer taken from th insured home?

No. A trailer has to have it's own insurance policy.