My 5yr old scratched our neighbors cars. Will our homeowners insurance cover this?

Miss Meli

Honestly, this is what they call a big, stinking gray area.

Everyone in your household that is related to you is considered an insured when it comes to homeowners insurance. What the insured people do to other people's property or self is covered under homeowners insurance. HOWEVER, anything criminal (in this case, vandalism) or wrong that was done knowingly by an insured is specifically excluded. So this would come down to your insurance company answering the moral question of "Does a five year old understand right and wrong?".

Most insurance companies really try to do the right thing when it comes to situations like these, but if I were you, I wouldn't count on it. They aren't going to be required to pay a cent so if they do, it's because they are just awesome.

jet_blackdawg

Even if your homeowners does cover this sort of thing it may just be cheaper in the long run for you to pay the cost to have their car repainted out of pocket. Even if it's over a grand you will probably come out ahead sine homeowners insurance, like auto insurance, tends to go up, sometimes dramatically, when you make a claim, something to think about. Good Luck.

Stuart

Your homeowners policy will cover damage to others' property on the liability portion of the policy.

Depending on how the policy is written, you may discover that the deductable is larger than the actual damage.

Talk to your insurance agent.

fire4511

Homeowners insurance is for accidental damages! In this case, your child did this on purpose. /Even if your insurance covers it, your rates will go up significantly, if the insurance company will even renew your policy! This is a case where you should pay for the damages out of your own pocket!

You may also want to keep a closer watch on your child! If is not normal for a 5 year old to scratch their name in a car!

Just Me

I see this one coming out of your pocket.Better keep a better eye on your kids.If I was your neighbor I would be suing you for a complete paint job.

â€ Oh yeah

I don't think so, you are going to have to call your homeowners insurance company and ask them. Most likely you will have to pay for it from your own pocket. Looks like its time to start teaching her what is ok to do and whats not. Good Luck.

willie

if you're in good with the neighbor, suggest that you would pay their deductible on their car insurance, comprehensive claims generally don't affect insurance rates

khrome_wind

Most likely not. Sounds like your 5 yr old has some issues.

Scott H

I think it should. Years ago, my dog dug her way out of our yard. Some samaritan found her, but thought she belonged to somebody else and tied her up in the wrong garage. The dog clawed the car trying to get out. My homeowner's coverage paid for the damage.

Teach your 5 year old not to touch things that don't belong to her.

Bill P

Their homeowners may cover it. Yours would pay for it if it was in your driveway. Your home, your insurance>> your homeowners insurance. You should offer to pay the deductible before they start the, I'll see you in court" If they are good neighbors, you could probably work out a deal. Maybe le the kid do their laundry and clean house until age 18?

iamforreal23@yahoo.com

i suggest you move, like right now, before they open there garage and notice their cars, so run! run like the wind! dont look back

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