Today’s question is brought to you by Lisa, who has Pleasanton, CA renters insurance. Lisa asks,
Does renters insurance cover my car? If something happens to my garage that’s covered by renters insurance, is my car in the garage covered as well?
Today’s question comes from Lisa, who has Pleasanton, CA renters insurance. Lisa wants to know, does renters insurance cover my car? If my carport collapses, will renters insurance cover the damage?
We’ve been asked in the past does renters insurance cover my car? The short answer is that it depends. The long answer is that it really depends. Depends on what? We’re glad you asked!
Does Renters Insurance Cover My Car?
Renters insurance can cover items stolen from your vehicle. This falls under the phrasing commonly found at the beginning of Section I, “We will cover your personal property anywhere in the world…” While the phrasing may vary slightly on your particular policy, the intent is similar. If your personal property is stolen from your vehicle, you generally have coverage so long as you took reasonable steps to mitigate the risk. Don’t leave your iPad on the passenger seat with the windows down and the door unlocked. There, you’ve mitigated the risk. This is especially important because your car insurance generally will not cover personal property in the vehicle.
Does Renters Insurance Cover My Car Against Physical Damage Such As Hail?
No. Renters insurance does not cover physical damage to your car from hail or similar risks. Autos are excluded from being considered personal property, sometimes with an exception made for coverage for an auto used solely to service a personal residence and not registered or driven on the road, though you should refer to your specific policy language for that. To drive home the point, consider a renters insurance policy on an apartment with a carport. Weight of ice and snow is a covered peril for personal property. However, if enough snow falls to cause the carport to collapse on your car, your car is not covered personal property. The peril is covered, but the property is excluded. In that instance, your auto insurance physical damage coverage would kick in if you have it.
Does Renters Insurance Cover My Car Against Vandalism?
No. Again, your car is not covered personal property. If someone keys your car, that would be on your comprehensive coverage from your car insurance and not on your renters insurance. Your renters insurance does generally cover vandalism against your personal property, but a car is not considered to be personal property for the purposes of your renters insurance policy, per the policy language.
Effective Coverage, Insurance Experts For Renters, are the insurance experts. You need to work with a company who understands the needs of renters and can put together packages of coverage to deal with your personal level of risk. Some companies just sell cookie cutter policies and hope there are no coverage gaps. Effective Coverage works to understand and meet your needs.