Is State Farm liable for the damages in my garage?
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UPDATED: Mar 29, 2012
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Insurance Question from Fort Kent, ME
Asked on 03/29/2012
Is State Farm liable for the damages in my garage? I have State Farm for motorcycle insurance. My motorcycle caught fire in my garage while being stored. The fire inspector determined that it was the motorcycles electrical that caught fire. There was damage to my garage and items within it. Is State Farm liable for those damages?
Answer given on March 31, 2012
If there is a fire in your garage, even if caused by a motorcycle electrical system, the homeowner insurance should pay for the fire damages to the home and garage less your deductible.The homeowner insurance will not pay for the damages to the motorcycle due to the fire. That will be a separate claim under your motorcycle insurance. You will need to have comprehensive coverage on the motorcycle to collect and there will be a separate deductible for that claim.Homeowner insurance specifically excludes damages to vehicles even if they are in the garage of the home. However, the fire, even though caused by the vehicle, is a covered peril on the homeowner policy.If you do not have comprehensive coverage on the motorcycle you will not have any insurance coverage for the fire damage to the bike. Hopefully you do have the coverage so you can be reimbursed for that loss as well as to your garage.
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