Do I need to file two insurance claims for damage to my car and home?

Filing two insurance claims is usually always required when your car and home are damaged in the same event — though you might not have to pay two deductibles.

Pat Howard 1600Jennifer Gimbel

By

Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

&Jennifer Gimbel

Jennifer Gimbel

Managing Editor & Home Insurance Expert

Jennifer Gimbel is a managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Regardless of whether or not you have homeowners insurance and car insurance through the same insurer, you’ll generally always need to file two separate insurance claims if your car and home are damaged in the same incident — like a hurricane or fire.

However, one of the perks of bundling your home and auto insurance policies with the same company is that you might only have to pay one deductible. It all comes down to the specific rules of your insurance carrier.

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Do I need to file two insurance claims if my car and home are damaged in the same event?

Yes, you’ll typically always have to file two separate insurance claims — one for the damage to your car, and one to the damage to your home and personal property. This is the case even if you bundle your home and auto insurance with the same company.

Why? Because your home and auto insurance policies each cover different types of damage.

What your home insurance policy covers

Your home insurance policy covers damage to:

  • Your personal belongings in your home AND car — under the personal property section of your homeowners insurance policy, not your auto insurance policy

What your car insurance policy covers  

Your car insurance policy covers any damage to your car under the comprehensive coverage section of your auto insurance policy. 

Though comprehensive coverage is technically optional, most standard full coverage auto insurance policies include it to cover your damage to your car due to things like theft, fallen trees, and natural disasters. (Basically, any damage to your car that’s not caused by a collision.)

Example of when to file both a home and car insurance claim

Say a windstorm caused a tree to fall through your attached garage — damaging not only your garage's roof, but also your car inside your garage and your laptop and other personal belongings in your car.

You'd file a home insurance claim to cover:

  • Damage to your garage's roof

  • Damage to your personal belongings inside your garage

  • Damage to your laptop and other personal belongings inside your car

You'd file a car insurance claim to cover:

  • Damage to your car itself

Do I have to pay two deductibles if my home and car are damaged in the same event?

Not necessarily. You might not have to pay two deductibles if you bundle your home and auto insurance with a company that offers single-deductible claims.

With single-deductible claims, if your home and car are damaged in the same event — like a hurricane or house fire — you only have to pay one deductible for the two claims.

Why is this important? Because it's saving you money. With most car and home insurance deductibles running anywhere from $500 to $2,000, only having to pay one instead of two could save you hundreds or even thousands of dollars in the event of a claim.

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What types of events might qualify for single-deductible claims?

Some examples of covered perils that could damage your home and car in the same event and qualify you to pay just one deductible include:

  • Hurricanes

  • Tornadoes

  • Wildfires

  • Thunder storms

  • House fires

  • Roof collapse due to snow or ice

  • Vandalism

  • Burglary

What if I don’t bundle my car and home insurance together?

If you don’t bundle your auto and home insurance policies with the same company, you’ll pay two separate deductibles and receive payout checks from two separate companies that you can use to repair or replace the damaged property.

What insurance companies offer single-deductible claims with bundled policies?

Single-deductible claims aren’t available with every insurance company you bundle your policies with. Some don’t offer the perk at all, while others only offer the option in certain states.

Here are a few that offer single-deductible claims for policyholders who bundle their home and auto insurance together:

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