Since you have full coverage, your house would be covered under the property damage portion of your liability coverages. This coverage typically covers you if your car for any property damaged in an accident, including your house.

Your car will be covered under your physical damage portion.

It is best to check with your insurance agent to see which option will be cheaper for you. Each insurance company has different rules on how they process these claims, and you can get more detailed information from your insurance company.