Does homeowners insurance cover a car stolen off your property?

Answer 1

No, Never.

An auto theft would have to be covered by the vehicle owners comprehensive auto insurance policy.

A homeowners Insurance policy is not liable for the theft of a vehicle. that's what Auto Insurance is for.

If an Auto Owner chooses not to purchase a Comprehensive auto Insurance Policy then they assume the risk of a total loss in the event of a theft.

The vehicle owner can not seek to shift liability to another person simply because it was on their property when the vehicle was stolen. If this were the case then every time a car is stolen from the parking lot of a store or shopping mall people would expect that business or property owner to pay for their loss.