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Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Auto Insurance Answers

What insurance covers my car if it gets keyed at my home in the driveway? My auto insurance or my homeowner's insurance?

Your auto insurance would cover your vehicle being keyed. While the event took place in your own driveway it would not normally be covered by your homeowner's insurance policy. Instead you would place a claim through the Comprehensive coverage portion of your car insurance since it covers acts of vandalism such as your car being scratched up or "keyed."

Homeowner's insurance pays for damage done to the residence or any other property coverage is extended to such as an unattached structures or your personal property and provides Liability coverage (if, for example, your tree hurt someone else or damaged their property). Damage done to automobiles is typically specifically excluded under a Homeowner's policy normally.

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You can read through the terms of your policy and speak to your insurance agent to see what exclusions you have but a Homeowner's policy is there to protect your home and events that occur there that may harm someone but not to cover incidents such as your car being vandalized, even if it happened in your driveway.

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If your car was recently keyed while parked in your driveway you should contact your car insurance agent or claims department so that you can make a Comprehensive claim for the damage to your vehicle. The deductible associated with your Comprehensive portion of your auto insurance policy will be due.

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This car insurance answer was last updated 8:52 AM Nov-04.
This Insurance Claims question was asked 01:17 AM October-29-2008.
Brett requested this car insurance help from CarInsurance.com experts.
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