Does homeowners insurance cover damage to vehicle at home?

In general, damage to a vehicle parked on the property is covered by a homeowner's insurance policy only if the damage is a direct result of hazards explicitly listed in the coverage.

Commonly covered hazards include fire, theft, vandalism, and events such as falling objects, fallen trees, hail, or windstorms.

Typically, incidents like car accidents involving other drivers or damage to the vehicle resulting from wear and tear or mechanical failure are not covered by homeowners insurance.