Does Homeowners Insurance Cover Vehicle Damage? 
No , vehicles are not part of the home and are not personal property . This is a common misconception about vehicle coverage.Many people believe their home insurance will cover vehicles if they are in a garage , this is simply not true . Home insurance will exclude `` vehicles '' which is normally defined as `` anything with a motor , unless it is used to services the premises . '' - so if you have a lawn mower or snowblower , and it is only used to service the premises -LRB- mow your own lawn , blow your own snow -RRB- then it is covered as personal property . If you use it for hire to make money , you should cover it under business insurance.A snowmobile , motorcycle , car , boat are not used to service the premises , so would be excluded . Even vehicle parts are generally excluded by homeowner 's insurance . 