Are Spare Auto Parts Covered on the Homeowners Policy

 

July 10, 2017

 

State Farm is denying coverage on extra Auto Parts. They were in a total loss pole barn. They were for previous cars owned by insured, As well as cars he owned, and bought custom parts for. Then kept the parts for spares.

Indiana Subscriber

I'm looking at the ISO HO 00 03 05 11; your wording may be different, and I'm happy to take a look at your policy for you. The ISO form defines “motor vehicles” as a self-propelled land or amphibious vehicle or trailers/semi-trailers carried on, towed by or hitched for towing to a vehicle. Under property not covered, motor vehicles are listed including equipment and parts. An exception is made for portable electronic equipment that reproduces, receives or transmits audio, visual or data signals. Parts intended to be used as spare parts are still motor vehicle equipment, as are parts to vehicles the insured no longer owns. Unless the insured had them hanging in the home for decoration or they were part of a piece of art work, they are still auto parts and as such are excluded.