my vehicle was parked on my landlords property and was destroyed by an arson. Can I make a claim under their homeowners insurance?

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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...

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UPDATED: Jul 6, 2017

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Insurance Question from Galveston, TX

Asked on 07/06/2017

my vehicle was parked on my landlords property and was destroyed by an arson. Can I make a claim under their homeowners insurance? my vehicle was parked next to my apartment on my landlords property and was set ablaze by someone who broke into it.

Answer given on July 08, 2017

When it comes to damage to an auto, the insurance coverage comes only from automobile insurance policies.  The arson damage did not necessarily relate to any negligence by your landlord, so there would be no insurance coverae under his liability insurance. You will need to file a claim with your insurance company under the comprehensive portion of your insurance. There will be a deductible applied, but the deductible for comprehensive coverage is usually much less than the collision deductible.  If you do not have comprehensive coverage, it is still very unlikely that you will have any hope of remibursement from your landlord since almost every property insurance policy excludes damages to automobile, no matter what the cause. You can ask your landlord to check with his insurance company, but if you were to read your homeowner or renter’s policy you would see that automobile damage is excluded from the policy


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