This really happened & I am baffled by the result.

A tree in my yard falls & hits one of my cars. The car only has liability insurance coverage on it. The car was a total loss. My first reaction was that the home owners policy will take care of that. Not.. Evidently it only covers acts of negligence. Even if the car was a friends whom was visiting, my policy would not cover for damage to the car.

Does that sound about right?

Read your policy closely. Coverage on homeowners' insurance varies greatly. Read it closely to see if you can find language that gives you reason to dispute the denied claim... and report it to your State Department of Insurance if you really feel the language of the policy should cover it.

This reply might get a little lengthy, so please bear with me. Think of a Homeowner’s Policy as a two-part policy. The first part, Section I (Physical Damage), provides coverage to your home, contents, etc. There is some variety in forms of coverage (basic, broad, all-risk), and will provide coverage from such things as fire, wind, etc. This section of your policy would probably provide coverage if your neighbor’s tree fell on your house and he did not have LIABILITY coverage.

The second part of your HO policy (Section II), is liability coverage. This is to cover you against damage to property of others, such as your tree falls on your neighbor’s car.

The tree falling creates a LIABILITY issue. Your HO policy will not pay for damages to your car because you can’t be liable to yourself for damage of this nature. Note that even if you had collision coverage on your auto policy you would not have been covered, as this was not a collision loss. Coverage on the car would be provided by COMPREHENSIVE coverage on your car (a separate line item on the auto policy).

If you truly have a Homeowner’s Policy, it should provide coverage had this tree hit a friend’s car.