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

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.