Is State Farm liable for the damages in my garage?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Mar 29, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

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.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption