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vehicle damage from tree.
- Thread starter lwt48
- Start date
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BelizeBreeze
Senior Member
Only your insurance company can tell you that.
Depends on your policy and coverage. Ask your agent.
No, Auto insurance covers your auto damage, homeowners insurance only covers the personal posessions you may have in your auto. If homeowners covered auto damage you woul not need auto insurance. I can only assume these auto's are not roadworthy, and so have little or no value because it is illegal to drive without auto insurance.
BelizeBreeze
Senior Member
and of course, that is WRONG!
And of course, that is 110% WRONG!!
Homeowners insurance could very easily cover the damage you describe.
I thought accidents such as these fell under comprehensive coverage and the auto insurance would then subrogate the Home insurance, at least in the case of the relative's car, since it was not on thier property. I was not aware you could claim on a car that that was not insured since, the purchase of auto insurance is mandantory for a car that is driven. Please expand and explain. I am interested to learn.
Yours sincerely
FJC
Yours sincerely
FJC
BelizeBreeze
Senior Member
Really? And you know this HOW? Have you read the poster's homeowner's policy?
This is my understanding of P&C in this situation. Please correct me if I am wrong. Although different companies cover thing in slightly different ways and to different limits, and offer you different endorsements, a HO-3 policy is is just that - an H0-3. The basic policy is generic.
Homeowners is for covering your home, its content, and liability. It also covers you for limited medical, appurtenant structures and generally loss of use, to some degree.
Most policies have limited coverage for tree removal in certain circumstances. If a healthy tree falls on your neighbor’s property, for instance, his insurance would pay for the damage and he could then come after you for the deductible, and anything else the insurer didn’t pay. If that tree falls on your neighbors property because you negligently didn’t remove the tree yourself because it was dead/damaged/diseased your insurance is liable for the damages, because you were negligent in your duty and the insurer then has the right to non-renew your policy at the end of its term, because you were negligent.
Homeowners (my understanding) does not cover motorized vehicles unless they are service vehicles used to service your property, or vehicles used by the disabled. An insurer has reasonable expectation that vehicles required to be registered by the state carry separate auto insurance with at least minimum liability limits set by the state in which you reside. Collision and Comprehensive coverage is optional, unless required by a lender, on cars usually younger than 15 years. An exception to this would be if your child, while in your yard, threw a rock through your neighbor’s car window. That would be covered by your homeowners policy - If your car is broken into and your laptop is stolen. That would be covered by your homeowners policy.
Homeowners is for covering your home, its content, and liability. It also covers you for limited medical, appurtenant structures and generally loss of use, to some degree.
Most policies have limited coverage for tree removal in certain circumstances. If a healthy tree falls on your neighbor’s property, for instance, his insurance would pay for the damage and he could then come after you for the deductible, and anything else the insurer didn’t pay. If that tree falls on your neighbors property because you negligently didn’t remove the tree yourself because it was dead/damaged/diseased your insurance is liable for the damages, because you were negligent in your duty and the insurer then has the right to non-renew your policy at the end of its term, because you were negligent.
Homeowners (my understanding) does not cover motorized vehicles unless they are service vehicles used to service your property, or vehicles used by the disabled. An insurer has reasonable expectation that vehicles required to be registered by the state carry separate auto insurance with at least minimum liability limits set by the state in which you reside. Collision and Comprehensive coverage is optional, unless required by a lender, on cars usually younger than 15 years. An exception to this would be if your child, while in your yard, threw a rock through your neighbor’s car window. That would be covered by your homeowners policy - If your car is broken into and your laptop is stolen. That would be covered by your homeowners policy.
BelizeBreeze
Senior Member
Homeowners cover all property damage on the premis. That includes autos, persons and animals. The poster needs to file this under their homeowner's policy and stop listening to people who don't have a clue.
Actually, Homeowners only covers damage by animals to others. It does not cover damage by your animal to your property of for the loss of any animal, bird, or fish. You might want to talk to your insurance agent, because I fear there are aspects of your policy you might not understand clearly. Below is a list of everythng that is not covered by a basic HO policy which I just snatched from Answer Financial. Hopefully this will clarify things for you.
What's not covered?
The land under your home-It may move, it may slide and it may end up somewhere else, but it doesn't really go away. So it cannot be lost in terms of insurance.
Earth movement-A standard homeowners policy does not cover damage due to an earthquake. You'll need special insurance coverage for this. Many insurance companies offer earthquake coverage as an addendum to your homeowners policy. However, premiums can vary depending on where you live and the construction of your home. For example, a wood-frame home generally suffers less damage in an earthquake than one made of brick. Likewise, certain areas, such as central California, are considered high-risk zones. Therefore, earthquake insurance premiums for a brick home near the San Andreas fault will be higher than premiums for a wood-frame home of approximately the same value located in a more stable area.
Water damage from flooding, sewers or drains backing up, or ground water seeping into your basement-Although these incidents are not covered by your homeowners policy, you can purchase special coverage for water damage due to sewers or drains backing up, and you can purchase separate flood insurance if you live in an area prone to floods. Because of the high cost of flood insurance, most insurance companies do not offer it, but flood insurance administered by the Federal Emergency Management Agency (FEMA) is available in certain designated areas.
Animals, birds or fish-Your pets are not considered a financial loss by an insurance company, so your homeowners policy doesn't cover their loss.
Motor vehicles and all other motorized land conveyances-You need auto insurance for your car, motorcycle, van or pickup truck. However, your homeowners insurance will cover a motorized vehicle used to service your property (such as a lawnmower) or to assist the handicapped (such as a wheelchair). And in some cases, your homeowners may also cover a boat parked in your yard, depending on the size and type of the boat.
Aircraft and parts-If you have a private airplane parked in your yard, or are working on a private airplane in your backyard, your homeowners insurance will not cover any damage or loss to the plane or parts. Your homeowners insurance will provide coverage, however, if your son's model airplane collection is damaged or stolen.
Power failure from an outside source-If the power goes out in your neighborhood because of a storm and the food in your refrigerator spoils, you can't claim the loss on your homeowners insurance. However, if the power goes out because a limb from a tree in your yard fell on the power line connected to your home, you may be able to claim a loss for food that spoiled in your refrigerator due to this type of power failure.
Property of roomers, boarders and other tenants either in your home or a separate unit- Any roomers, boarders or tenants need to get their own insurance to cover any loss of their personal property (see "About Renter's Insurance"). Your homeowners insurance will only cover your buildings and your personal property.
Business information (data)-Your personal property coverage will reimburse you up to a certain amount (generally between $1,000 to $2,500, depending on your policy) if your computer and any software programs or applications that you bought to go with it are lost or damaged. It will not reimburse you for the loss of the spreadsheets you created, your bank account information or any other business information.
Neglect-Part of your obligation under homeowners insurance is to take reasonable precaution to protect your property. The definition of "reasonable precaution" can vary from insurance company to insurance company, but basically it means taking precautions such as locking doors and windows, not storing hazardous materials in your home and not clearing brush from around your home. Failure to protect your home in these ways can mean having your claim being refused by the insurance company.
War-This is an interesting exclusion since the United States has not had a war fought on its mainland for more than 130 years or on any of its territories in more than 50 years (remember, Hawaii did not become a state until 1959). However, should there be a military action or war, you would not be covered for any damage done by either hostile forces or U.S. military personnel acting under orders of war.
Nuclear hazard-With the advent of nuclear power has come the danger of nuclear hazard. Because of the possible catastrophic consequences this hazard represents, insurance companies have excluded general loss from nuclear hazard from insurance policies.
Intentional loss-There are cases where someone has intentionally set a fire or hired someone to set a fire, or has inflicted intentional damage to property in order to collect on insurance. Insurance is designed to protect you from events outside your control. So if it is discovered that you intentionally caused the loss, you will not be able to collect on your insurance.
Additional exclusions-Other things not included are faulty, inadequate or defective planning, zoning, development, surveying, remodeling, grading, construction or maintenance; failure to act; or acts or decisions made by any person, group, organization or governmental body.
HO-1: Limited coverage policy
This "bare bones" policy covers you against the first 10 disasters. It's no longer available in most states.
HO-2: Basic policy
A basic policy provides protection against all 16 disasters. There is a version of HO-2 designed for mobile homes.
HO-3: The most popular policy
This "special" policy protects your home from all perils except those specifically excluded
HO-8: Older home
Designed for older homes, this policy usually reimburses you for damage on an actual cash value basis which means replacement cost less depreciation. Full replacement cost policies may not be available for some older homes.
If you rent your home
HO4-Renter
Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets you install, against all 16 disasters.
If you own a co-op or a condo
H0-6: condo/co-op
A policy for those who own a condo or co-op, it provides coverage for your belongings and the structural parts of the building that you own. It protects you against all 16 disasters.
What's not covered?
The land under your home-It may move, it may slide and it may end up somewhere else, but it doesn't really go away. So it cannot be lost in terms of insurance.
Earth movement-A standard homeowners policy does not cover damage due to an earthquake. You'll need special insurance coverage for this. Many insurance companies offer earthquake coverage as an addendum to your homeowners policy. However, premiums can vary depending on where you live and the construction of your home. For example, a wood-frame home generally suffers less damage in an earthquake than one made of brick. Likewise, certain areas, such as central California, are considered high-risk zones. Therefore, earthquake insurance premiums for a brick home near the San Andreas fault will be higher than premiums for a wood-frame home of approximately the same value located in a more stable area.
Water damage from flooding, sewers or drains backing up, or ground water seeping into your basement-Although these incidents are not covered by your homeowners policy, you can purchase special coverage for water damage due to sewers or drains backing up, and you can purchase separate flood insurance if you live in an area prone to floods. Because of the high cost of flood insurance, most insurance companies do not offer it, but flood insurance administered by the Federal Emergency Management Agency (FEMA) is available in certain designated areas.
Animals, birds or fish-Your pets are not considered a financial loss by an insurance company, so your homeowners policy doesn't cover their loss.
Motor vehicles and all other motorized land conveyances-You need auto insurance for your car, motorcycle, van or pickup truck. However, your homeowners insurance will cover a motorized vehicle used to service your property (such as a lawnmower) or to assist the handicapped (such as a wheelchair). And in some cases, your homeowners may also cover a boat parked in your yard, depending on the size and type of the boat.
Aircraft and parts-If you have a private airplane parked in your yard, or are working on a private airplane in your backyard, your homeowners insurance will not cover any damage or loss to the plane or parts. Your homeowners insurance will provide coverage, however, if your son's model airplane collection is damaged or stolen.
Power failure from an outside source-If the power goes out in your neighborhood because of a storm and the food in your refrigerator spoils, you can't claim the loss on your homeowners insurance. However, if the power goes out because a limb from a tree in your yard fell on the power line connected to your home, you may be able to claim a loss for food that spoiled in your refrigerator due to this type of power failure.
Property of roomers, boarders and other tenants either in your home or a separate unit- Any roomers, boarders or tenants need to get their own insurance to cover any loss of their personal property (see "About Renter's Insurance"). Your homeowners insurance will only cover your buildings and your personal property.
Business information (data)-Your personal property coverage will reimburse you up to a certain amount (generally between $1,000 to $2,500, depending on your policy) if your computer and any software programs or applications that you bought to go with it are lost or damaged. It will not reimburse you for the loss of the spreadsheets you created, your bank account information or any other business information.
Neglect-Part of your obligation under homeowners insurance is to take reasonable precaution to protect your property. The definition of "reasonable precaution" can vary from insurance company to insurance company, but basically it means taking precautions such as locking doors and windows, not storing hazardous materials in your home and not clearing brush from around your home. Failure to protect your home in these ways can mean having your claim being refused by the insurance company.
War-This is an interesting exclusion since the United States has not had a war fought on its mainland for more than 130 years or on any of its territories in more than 50 years (remember, Hawaii did not become a state until 1959). However, should there be a military action or war, you would not be covered for any damage done by either hostile forces or U.S. military personnel acting under orders of war.
Nuclear hazard-With the advent of nuclear power has come the danger of nuclear hazard. Because of the possible catastrophic consequences this hazard represents, insurance companies have excluded general loss from nuclear hazard from insurance policies.
Intentional loss-There are cases where someone has intentionally set a fire or hired someone to set a fire, or has inflicted intentional damage to property in order to collect on insurance. Insurance is designed to protect you from events outside your control. So if it is discovered that you intentionally caused the loss, you will not be able to collect on your insurance.
Additional exclusions-Other things not included are faulty, inadequate or defective planning, zoning, development, surveying, remodeling, grading, construction or maintenance; failure to act; or acts or decisions made by any person, group, organization or governmental body.
HO-1: Limited coverage policy
This "bare bones" policy covers you against the first 10 disasters. It's no longer available in most states.
HO-2: Basic policy
A basic policy provides protection against all 16 disasters. There is a version of HO-2 designed for mobile homes.
HO-3: The most popular policy
This "special" policy protects your home from all perils except those specifically excluded
HO-8: Older home
Designed for older homes, this policy usually reimburses you for damage on an actual cash value basis which means replacement cost less depreciation. Full replacement cost policies may not be available for some older homes.
If you rent your home
HO4-Renter
Created specifically for those who rent the home they live in, this policy protects your possessions and any parts of the apartment that you own, such as new kitchen cabinets you install, against all 16 disasters.
If you own a co-op or a condo
H0-6: condo/co-op
A policy for those who own a condo or co-op, it provides coverage for your belongings and the structural parts of the building that you own. It protects you against all 16 disasters.
BelizeBreeze
Senior Member
Oh brother. and of course this has nothing whatsoever to do with the current post.
I suggest you pose this question to your homeowner policy agen.
I suggest you pose this question to your homeowner policy agen.
My post was written out of my concern of your lack of understanding of your own homeowners insurance. You were telling the OP something that might not be in his best interest, and you do not seem to understand your own policy, and I don't say that unkindly. Most people don't understand homeowners insurance, because it tends to be written in legalese - as are most legal documents. Homeowners insurance is complicated and as I posted before, I don't purport to know everything, even though I have held a P&C license for 10 years- and if I present something falsely, I don't have a problem saying I am wrong, your are correct, and I sincerely hope you contact your agent to clarify your own coverage’s, because unless someone can actually say I have posted incorrectly, then what I have posted you can assume to be correct.
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