Can a homeowner’s insurance cover an auto stolen because keys were taken from break in to home?
By admin
JY asked:
My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $7K. Would obtaining an attorney be helpful?
Harold
My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $7K. Would obtaining an attorney be helpful?
Harold
Car Keys , Homeowner S Insurance , Insurance Cover 



April 20th, 2010
kevw25
April 21st, 2010
Beverly
If he only has liability, then he is SOL.
Andy's Mom
April 24th, 2010
Lance
I don’t think so
CORiverRat
April 26th, 2010
Douglas
He should read his policy. My guess is it does not include auto coverage of any sort (like your house burns down with your car in the garage, most will not cover the car)
brownsugar_1511
April 27th, 2010
Tonya
wouldnt car insurance cover that?
StephenWeinstein
April 30th, 2010
Marcus
The homeowner’s insurance should cover the value of the keys unless car keys are specifically excluded from the policy. Unfortunately, the car keys are not worth much without the car.
A car parked on the street would not be covered by homeowner’s insurance. A car parked inside the home (in a an attached garage) might be covered, but automobiles are probably excluded from the homeowner’s policy. Even if they are not, anything worth more than a certain amount (not sure of the dollar figure) is not fully covered unless you have a rider to specifically cover it.