Does homeowner insurance cover damage to uninsured car in garage?

Answer 1

Sure, if the roof falls on it, or there's a fire. But it won't cover anything that happens on the road. Check in with your insurance agent.

Most homeowner policies exclude damage of any kind to automobiles.

Answer 2

No, and Never, Homeowners insurance does not provide coverage for a motor vehicle designed to be driven on public roads, not for property nor the liability, and not even if your roof fell on it.

That's what auto insurance is for.

When uninsured, the vehicle owner is taking the risk of an out of pocket loss, coverage can not be transferred to a vehicle from a home insurance policy.