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Ask the Home Insurance Expert

Q

Would homeowners insurance cover damage from an uninsured motorist driving his car into your house? Or would this somehow be a car insurance claim?

A

Yes, homeowners insurance does indeed cover a car crashing into your house.  Damage caused by vehicles to your house is listed as a covered peril on standard home insurance policies. Even though the incident may not be your fault, you’ll be responsible for paying the your home insurance deductible.

Or you could sue the driver for the damage. Whether or not you can collect is another question.

Your own car insurance would be involved only if the uninsured driver also did damage to your vehicle as he careened toward your home.  For instance, if he hit your car in the driveway and then smashed into your house. You could make a collision claim for your vehicle’s damage, since your homeowners would not cover it, but you’d also end up paying your collision deductible.

Here’s more on what your homeowners insurance policy won’t cover.

Last updated: Oct. 22, 2014