Home Insurance Quotes

Find Affordable Home Insurance Now

Yes No

Ask the Home Insurance Expert

Can I use my homeowners insurance if the garage door came down on my car? The insurance agent says I will have to use two deductibles, homeowners for the garage door and auto insurance for the car. I would like to just pay 1,000 (not 2,000) deductible. I feel he is trying to get me to not file the claim.

Unfortunately you do have a double-deductible situation here. If you're going to make both a home and an auto insurance claim, you'll need to pay applicable deductibles.

[Let Insure.com help you find affordable home insurance now.]

Exactly how much is the total damage? You may sense that your agent doesn't think you should make the claim if you're going to yield only a couple hundred bucks in each claim. Frankly it's better to keep your claim record clean than get only a couple hundred bucks. If your rates go up due to the claims, it could end up costing you far more over time.

Last updated: Nov. 15, 2012
Insure.com Redesign Survey