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Can my homeowners insurance policy cover my vehicle if it's parked in the garage?
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Yes, homeowners insurance can provide coverage for vehicles kept in the garage under certain circumstances. Typically, homeowners insurance may cover damage to vehicles caused by specific perils listed in the policy, such as fire, theft, or vandalism. However, coverage for vehicles themselves may be limited, and it's essential to review the specific terms and conditions of the policy to understand the extent of coverage. Additionally, homeowners insurance generally does not cover vehicles used for business purposes or certain high-value vehicles, so it's important to consult with the insurance provider to ensure adequate coverage for all vehicles on the property. It's also advisable to consider purchasing a separate auto insurance policy for comprehensive coverage of the vehicles, including liability protection. As coverage can vary based on the insurance provider and policy details, it's recommended to discuss the specifics with an insurance agent or representative for personalized guidance.
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