It would normally be your car insurance that would be used if you hit property such as a fence or house with your car. However, if you hit your own house with your vehicle you should check with your insurance agent to make certain you can place a claim for the damage to your house.

Some insurance policies have a household exclusion which limits or excludes your from placing a liability claim for damage to your own property - such as another car that you own or your house. This is due to fact that typically your mandatory auto liability coverage on your vehicles protects members of your household against claims brought by people who are not part of the household.

If you hit your own mailbox, fence, or other item attached to the house then you may want to see if your can make a claim through your homeowner's policy if your auto insurance company does not take your claim.