Of course home owners fire insurance should cover the cost. Unless you want to go with the car insurance check for total dammages and which pays out better. My insurance House life auto is with the same company. SORRY FOR YOUR LOSS. I have been thru a house fire and it’s rough

some policies do,and some dont,some policies wont even cover a garage now thats connected to a house because of the risk of the car or vehicle causing the fire,you,ll have to read your policy real good to find this out,good luck with it.

I have yet to see a Homeowners policy that covers this. Look at your policy and I am sure you will find a disclaimer that states “no insurable vehicles, including autos, boats, and motorcycles are covered under this policy”. Motorhomes and travel trailers are also not covered.

The purpose of homeowners insurance is to provide coverage for your home and it’s contents. It also provides coverage for liability that arises from the use of your premises.

The purpose of automobile insurance is to provide coverage for damage to your automobile and any damages/injuries that you cause while using your automobile insurance.

You purchase insurance to cover a specific need/risk. The risks associated with a home are different from those associated with a car. Therefore, each risk is insured under a policy that was written to cover that specific risk.

Your home owners policy has a provision in it that excludes coverage for damage to your automobile. Your auto policy has language that excludes coverage for personal property in the vehicle (so the Van Gogh painting you were storing in your trunk is not covered under your auto policy if it is stolen from your vehicle)

If your car where damaged while parked in the garage – you would have to file under the comprehensive coverage on your auto policy. If you did not have comp coverage and had liability only – you would be SOL.

Homeowners insurance with fire coverage will cover the structure, and the furnishings. Do you think a vehicle is part of your home furnishings?

Car insurance, if you have collision, fire and theft coverage added to it, will cover your car being destroyed by fire no matter where the fire started. It will be less your deductible of course.

No, no, and no!
Homeowner insurance does not cover any of your vehicles that are built for road use and require registration to run on the roads. If your car is destroyed when the garage burns down, it is covered by auto comprehensive insurance. Autos are not home contents even if you have them parked in your living room and sit in them to watch tv. They are not home contents even if you have them parked in the bedroom and sleep in them. If is no different from having your tv in your car because you were taking it to a friend’s place. Somebody opens the door, and smashes the screen, your auto policy does not cover it, is off-premises contents from your home policy.
The person that says their car is covered in the driveway by the home policy is wrong. If you are mowing your lawn, and your mower throws a rock through the windshield of somebody else’s car, your home policy covers it under tpl. If your mower throws a rock through your own car windshield, your auto comprehensive covers it. You would be surprised how many people are sadly disappointed when they make a claim for something they thought was covered by a policy because they took the word of a neighbour, or a guy at the service station, instead of an insurance broker.

If your garage is part of your house,(attached) your homeowners insurance should cover the vehicle the same way it would your furniture, as long as it was inside at the time of fire.

YES IT SHOULD.