Ask An Agent

      

Get free insurance advice on demand

    

Question

Does progressive auto insurance cover house property damage?

I was in an automobile accident and caused damage to a fence and to a side of a house. Does my liability insurance cover both?

Agent Answer

Ava Lynch
Yes, liability will cover damages caused to another car and or property (like a house or fence). Keep in mind, your insurance will only cover up to the limit of your property damage liability. Consider this example:

  • You strike a fence and cause is $50,000 in damages
  • You have a property damage liability limit of $15,000 – the legal limit of PD liability in Maryland.
  • After you’ve exhausted your 15k limit, you would be responsible for the other 35k in damage.

Before you file a claim, I would recommended getting an estimate for the damage and see if it makes financial sense to pay for the damage out-of-pocket. Because most car insurance companies will raise your rates as much as 50% after a claim, it’s usually recommend to only file a claim when the value of the damage exceeds the deductible (if applicable) plus the rate increase. Here’s how you can tell:

  • Use our State of Insurance to see that an at-fault accident raises rates in MD by 40%.
  • Get an estimate for the damage to the fence and side of the house.
  • Compare the 40% rate increase you would receive every three years to the out-of-pocket costs. If it is cheaper to file a claim, do that.

There’s a couple of things to keep in mind with this, however. Because you at the at-fault party in this scenario, if the individual whose probably you damaged does not want to be paid out-of-pocket, you really don’t have a choice. If this is the case, Here is more information regarding the claims process. Best of luck.

Was this helpful?

0 1
  • Didn't Find What You Were Looking For?

    Ask us another question and an insurance expert will get back to you with an answer.

Looking to save money on your car insurance?

Learn More