[Mr Twister]

Originally Posted by FrankieT/A

Your coverage "C" of your home owners insurance should have covered car parts as they are personal belongings just like anything else like furniture or TVs. On the other hand, HO's will not cover anything that is able to have its own insurance like boats, jet ski's, cars, BUT if your car is inoperable due to being apart like taking the wheels off or the carburetor for instance then it becomes contents and should covered under coverage "C". The caveat is most peoples "Coverage C" is not high enough for all their personal and household stuff plus a car, So that would just go to coverage limits.

I, like most people did not fully read my policy. After they refused to pay for the auto parts etc, i read it and it did specifically say auto parts were not covered. I tried to argue the personal property angle and got nowhere. USAA.