Fires can occur anywhere in a home or on a property. When it occurs, your priority is to get it out and to minimize the damage. Yet, after this happens, you may need to file an insurance claim. If a fire occurs in the garage, what type of insurance will help you?
This depends on a variety of factors. Consider what may apply for auto insurance.
What Caused the Fire?
The first step is to consider what caused the fire to occur. Hazardous materials exploding in the garage, for example, could happen. If the cause of the fire was something in the garage, your home insurance may cover the loss. However, this only applies if the garage is on your policy. If it is a detached garage, the home insurance policy should name the structure. This ensures coverage.
In this situation, the home insurance pays for the losses associated with the fire. This may include repairs to the building structure as well as the contents of it. It may also include the vehicle. However, you might be able to file a car insurance claim for this loss, as well. Check with your agent about the details.
When the Car Causes the Loss
Fire is a type of coverage under most car insurance policies. However, whether a car fire has coverage depends on a variety of factors.
First, the car insurance provider needs to determine the cause of the incident. For example, if the fire occurred as a result of poor maintenance and upkeep on the vehicle, the comprehensive auto insurance will generally not apply.If the fire occurred as a result of an accidental or unexpected loss, the policy may apply. Second, the insurer must verify you have the right type of coverage for the claim. Most commonly, comprehensive car insurance covers fires.
If the car causes the damage, you have coverage for it, and the claim is valid, it should include all losses associated with the fire. Your insurance may elect to use home insurance to cover the losses associated with the home. A variety of factors can play a role in whether your insurance covers these losses.
When a fire occurs, call your insurer. Find out more about what the auto insurance can cover for you. And, discuss your car insurance as well as your home insurance with your agent. Your goal should be to find coverage fitting to all of your risks. Your agent will work closely with you to ensure you have the protection you need.
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