Insurance Questions....

Mercury

Ok, here is the situation. I have a small utility trailer that was damaged by hail. I was told by the old insurance rep that if it was on the property, it would be covered by the property/home owners insurance for theft, damage, etc. And if it was hooked onto a vehicle that had full coverage, it would be covered under that policy at that time.

So, I called my new agent (old one retired a couple of years ago) and she told me it wasn't covered AT ALL under my homeowners policy.

Any ideas as if it truly is covered? I read my policy, and it says that "personal property" is covered for damage, but it is pretty vague.

Thanks.

Merc

babun

It was hooked to your car in your driveway, wasn't it???
[;)]

Mobuck

With my farm/home insurance, if it's not listed-it's not covered.
With my vehicle insurance(same company) the coverage depends on the level of coverage on the vehicle that(in this case it was a trailer hooked to the vehicle)is insured.
I've heard of townies who did stupid stuff to their "lawn tractors" and then turned it in on their homeowners' insurance.

GemJedi

It depends more on your policy than state law (although the standard policy of a state follows state law). Personal property typically is covered but wheeled vehicles often are either excluded, or limited in coverage.

Your best bet is to get an estimate to fix it, or a comparable to replace it if totaled. Ask for and submit a sworn statement in proof of loss, attaching photos of the damage and the estimate to fix/replace. If the insurer asserts it is not covered they will send you a denial letter detailing the exclusion to coverage. At that point, if you disagree, you can consider your options to either file suit, perhaps in small claims court if not too big a loss, or send a complaint to your state department of insurance.