I had a tree limb to fall and but my windsheild and my sunroof dented my car is home owners insurance or auto insurance responsible?

N0help4u

For car insurance to cover it I think you have to have something like comprehensive insurance.

I know many policies car or home do not cover many types of 'acts of nature'

Wondergirl

Do you have comprehensive coverage? Check with your agent.

MoonDust

Thanks I have comprehensive coverage in fact my home owners and car are with the same company I just did not know which I should turn it in on????

MoonDust

Yes I do and my home owners and car are with the same company.

ScottGem

Then just call your agent or the claims department of the carrier. Let them decide which policy covers you. That's their job!

nikosmom

You can file it under either but more than likely you have a lower deductible to meet if you file it under your car policy.

Comprehensive coverage is just for incidents like this.

JEPLAX

Your Auto comprehensive insurance will cover this loss subject to (in excess of) the amount of your deductible for the comprehensive coverage. Most insurers will allow you to have a different deductible for comprehensive coverage (non-moving vehicle with no driver is damaged) vs. collision (typically moving vehicle with driver in vehicle).

The only way your Homeowners would cover this loss is if the tree was on your property and hit someone else's vehicle (not a member of your immediate family living in your premises) It would be covered under the liability coverage of your homeowners policy.

Fr_Chuck

while policies differ , normally where I have worked you can not make a claim on your homeowers for yourself.

TGMcCallie

Of course if the tree or limb originated from your neighbors property their home owners insurance will cover it if it is live. If dead they will not because it should have been cut down.