Theoretical question here, I am just curious. No damage has occurred.
if I were to have a Vehicle in a garage attached to the home and the home burned to the ground or was flooded and damaged the vehicle in the garage, could I make a claim for the vehicle on both insurances?
Let's say that they are two different insurance companies. (if it were the same insurance company would they only pay on one insurance or lump them together?)
My thoughts are that I am paying for both coverages and should be able to collect from both. if the vehicle were not in the Garage it may not have been damaged (fire).
on the other hand I feel like this would be taking advantage of the Home owners insurance.
Would it be insurance fraud to claim on both insurances?