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The difference between Auto and Home Insurance

Auto and home insurance may seem like very similar products, and they are, they are both insurance after all. There are however some important differences in the way that the coverage that you receive from them work. It is important to make sure that you understand these differences so that you can be sure that you are properly covered by both types of insurance.

The main difference between auto and home and insurance is the fact that liability coverage is a much more important factor with auto insurance. While your home insurance will provide you with liability coverage this is really just an add on by the insurance company as the number of people who have to use this protection is quite small. The case is very different with auto insurance where liability coverage is the most important thing. You are required to have it by law and a great many people will end up using it because of the large number of accidents that occur.

Another big difference between home and auto insurance is that auto insurance is required by law. You do not have to have home insurance if you don't want to, although your mortgage lender may have a different opinion on this. With auto insurance you do have to have it as it is required by law. This is largely a reflection of the enormous amount of damage that a car accident can do. Driving without insurance can have very serious consequences.

One big difference between auto and home insurance that not a lot of people think about until they need to make a claim is the actual amount of coverage that they have. Most home insurance policies will cover you for the whole replacement value of your home. This way if your home gets damaged you will be able to rebuild it without too much difficulty. This is not the case with auto insurance where you will be insured to the actual value of your car. Since a car depreciates significantly as soon as you drive it off the lot this means that you will likely not be able to replace the car with your insurance settlement if it were to get written off.

One last difference between auto and home insurance is that your home insurance will be much more all encompassing than your car insurance. There are a lot of things that your home insurance will cover that you likely would have never thought of, like paying for spoiled food if your refrigerator breaks down. Car insurance rarely does this, in most cases your coverage is limited to that which is specifically spelled out in the policy. The result is that you will have far less coverage with a car insurance policy than with a home insurance policy.

Some of "our" insurers...

AAA Auto Insurance

The Auto Insurance Company that's known to defend the rights of each motorist, as well as provide great coverage...


Allstate Auto Insurance

Allstate is the second largest car insurer in the United States, and one of the most financially secure ones too!


State Farm Auto Insurance

State Farm Insurance is the largest auto insurer in the United States and has been so for sixty-seven years. A true giant in car insurance!


21st Century Auto Insurance

For over 50 years, 21st Century Auto Insurance has been gaining market share, and we believe they're one of the best insurers out there...


GEICO Auto Insurance

One of the country's most trustworthy insurers, insuring well over 10 million motor vehicles on the road today...



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