Does my Illinois Home Owners Insurance Policy cover my vehicle if it is burned in my garage?

If my car is in the garage and my garage
starts on fire will my homeowners

insurance cover this?

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We get this question quite often from
people looking to buy homeowners

insurance when we go over quotes with
them.  And does your homeowners insurance

cover your vehicle if it's destroyed in
a fire while it's parked in the garage

or will your homeowners insurance
cover your vehicle if the garage falls

in on it while it's parked.  And the
answer is no your homeowners insurance

will not cover your vehicle if it's
destroyed in a fire while it's parked in

your garage.  If you want coverage for
your vehicle while it's parked in your

garage from fires or something falling
on it, the coverage you need is other

than collision, or comp, or comprehensive
coverage on your automobile policy.

If you have a vehicle that is worth any
kind of value to you and you want

coverage from those things then you have
to make sure you have that on your auto

policy.  If you have any questions give us
a call at Clark Carroll Insurance Agency,

815-244-1570