A: Short answer, no your car is never covered by your home insurance. Even if your car is in the garage and your house burns down damaging the car. Your vehicle is covered by comprehensive coverage you’ve selected on your auto policy and your home rebuild is covered by home insurance. Comprehensive coverage on your auto policy covers all damage to your vehicle that is not caused by an auto accident. This includes but not limited to, running into an animal, an object falling onto your vehicle (i.e. hail, tree, rock, etc…), or theft.