I had a fire in my vehicle. Was wondering if my passengers belongings are covered under my house insurance?
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UPDATED: Feb 6, 2018
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Insurance Question from Massena, NY
Asked on 02/06/2018
I had a fire in my vehicle. Was wondering if my passengers belongings are covered under my house insurance? Vehicle fire
Answer given on February 06, 2018
If you had a fire in your vehicle and a passenger’s property was damaged or destroyed, it is possible to file a claim under your insurance for those damages. You may be able to file under the damage to property of others, but the limit is usually $500 to $1,000 maximum. There is no deductible for this coverage. You do not need to be legally responsible for this coverage to apply, but it usually applies for property issues, not auto. Check with your insurance agent or broker to see if it is covered, and if it will affect your claims record. It could result in a premium increase if they consider it a claim under the homeowner policy.
The passenger can also file under their home or renters insurance, but the deductible would apply, thus reducing any payment for the damages.
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