CONAN@RALVM8.VNET.IBM.COM writes:
>>>happens if your house burns down or something and the car is
>>>destroyed, along with your house and/or other household
>>>goods? Should a homeowners policy cover it?......
Generally they don't, nor if a tree falls on it in your yard,
which happened to a friend.
> Depends on your insurance company, the policy wording, -and your agent-.
>Friends of mine lost a Citroen when lightning hit their garage. I think
>they had to argue a little, but it got covered by homeowner's because it
>was strictly "in storage" and not being driven at all and not insured by
>any kind of auto policy. This was several years ago (~10?).
On the other hand, if it's disassembled, I suspect that you could
make a good point that most of the car was merely "car parts" stored in the
garage, which I suspect are covered. The hardest part would be the
chassis/body, if still in mostly one piece. And of course this doesn't
help you (much) if most of the parts are still bolted to the car.
If you _can_ get minimal comprehensive that's an obvious way to
go. Another solution may be the "garage queen" policies - you aren't
likely to break 2500 miles when it doesn't move. For them, though, you
usually are required to garage it, note.
--
Randell Jesup, Scala US R&D, Ex-Commodore-Amiga Engineer class of '94
Randell.Jesup@scala.com
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