Does homeowners insurance cover motorcycle in garage?

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asked Jul 2, 2019 in Motorcycles by Grateful11 (620 points)
Does homeowners insurance cover motorcycle in garage?

1 Answer

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answered Jul 2, 2019 by Adf289 (58,560 points)
Your homeowners insurance policy does not cover the cost of damage to a motorcycle or vehicles in your garage as a result of a fire or any other disaster that destroys your garage or home.

If you want your motorcycle to be covered in the event your garage gets damaged in a fire and the motorcycle gets damaged as well then you need to have full coverage motorcycle insurance.

The full coverage motorcycle insurance will cover the cost of damage to your motorcycle even if it's damaged in a fire in your garage.

The same goes for full coverage vehicle insurance for your car, truck etc as if you have full coverage insurance on your other vehicles and they get destroyed or damaged in a garage fire then your vehicles will be covered.

Your homeowners insurance policy only covers the cost tor repairs or to rebuild your home in the event of a house fire or other disasters.

So if you want to make sure your vehicles or motorcycle are covered in the event of a fire you should keep and have full coverage insurance on the motorcycle or vehicles.

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