Homeowners Insurance Vandalism Coverage

Summary

Homeowners insurance may cover liability for property damage caused by family members, but it often excludes motor vehicles. Check with your friends insurance company to confirm coverage. Since your car is not registered or insured, this complicates the claim process. Consider seeking legal advice in massachusetts for potential liability and compensation options. Comprehensive auto insurance typically covers vandalism, such as bleach in the gas tank.

Full Conversation

It happened in Forestdale, Massachusetts
Thanks for the details. Since the incident happened in Massachusetts, you should check with a local attorney there to get the most accurate advice. Would you like me to connect you with a local attorney in Massachusetts for further assistance?
What’s the difference between homeowners insurance and house insurance?
Homeowners insurance and house insurance are generally the same thing and are often used interchangeably. Both types of insurance typically cover:
- Damage to the home and other structures
- Personal property inside the home
- Liability for injuries or property damage to others
- Additional living expenses if the home is uninhabitable
Is there a specific aspect of insurance coverage you're concerned about?
Yeah, if it would cover property damage to my vehicle that was done by somebody that lived in the house
Case Rating: *
Homeowners insurance typically covers property damage caused by family members, but it usually excludes motor vehicles. Here are some steps you can take:
- Confirm with your friend's homeowners insurance company if the policy covers the damage.
- Check your own auto insurance policy to see if it includes comprehensive coverage, which might cover vandalism.
Do you need more specific information about homeowners or auto insurance policies in Rhode Island?
I don’t think it’s comprehensive coverage that I need. It was bleach poured in my gas tank.
Case Rating: *
In your situation, it's essential to check both your auto insurance policy and your friend's homeowners insurance policy:
- Homeowners Insurance: Typically covers liability for property damage caused by family members, but it often excludes damage to motor vehicles.
- Auto Insurance: Comprehensive coverage usually covers vandalism, including damage like bleach in the gas tank.
Would you like more detailed information about either type of insurance, or do you need assistance with anything else related to this issue?
I just bought the car so it’s not registered or insured yet. It was towed there.
Case Rating: *
In this situation, since the car is not yet registered or insured, it complicates the process of claiming damages. Here are a few steps you can consider:
- Confirm with your friend's homeowners insurance if it covers the damage.
- Seek legal advice on potential liability.
Would you like more information on local attorneys in Rhode Island?
I am in Bourne, Massachusetts. The incident happened in Forestdale, Massachusetts.
Case Rating: *
Since the incident occurred in Massachusetts, it's crucial to seek legal advice locally.
You should:
- Confirm with your friend's homeowners insurance if it covers the damage.
- Seek legal advice on potential liability and options for compensation.
Would you like me to connect you with a local attorney in Massachusetts for further assistance?