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?