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At Fuhriman Insurance Agency, we have seen just about every kind of problem that could affect a homeowner. One that is sadly common is losing a rented home through a fire, including the vehicles parked in the garage. Will your Boise, ID renter’s insurance policy cover your car?
Sadly, Your Car Is Not Covered
Renter’s insurance will not cover vehicles or cars that are damaged as a result of any circumstance. In fact, most policies will expressly state that they do not cover this kind of damage. While this can be a frustrating situation, it is understandable. It would cost the company too much to pay for your car repairs.
There is one instance, however, in which renter’s insurance may cover your car damage. That is if your car is used to service the residence, rather than being used on the road. This situation can be confusing to understand, though, so it is vital to discuss how it works.
When Renter’s Insurance Covers Your Car
As mentioned above, renter’s insurance will cover your car’s physical damage if the vehicle is used to service the home. This means that the vehicle is used only on the property and to service it. For example, if you live on a piece of rented property and you own a truck that you use to do farm work, then it is likely to be covered by renter’s insurance.
The tricky part of this is that your vehicle cannot be used for any roadworthy purposes. In fact, it can’t even be registered to drive on the road at all. In this instance, your vehicle is considered part of the property and is covered. Otherwise, renter’s insurance does not cover your vehicle.
Covering Your Vehicle And Home
Don’t hesitate to contact us at Fuhriman Insurance Agency today if you live in Boise, ID or in the surrounding area. We will provide you with the high-quality help you need to protect your vehicle and your rented home from serious damage.