--- title: Does Home Insurance Cover A Car Crashing Into My Grapevine House description: Learn how home insurance can protect you if a car crashes into your Grapevine house. Learn who is responsible for the damages and how to avoid a hefty bill image: https://www.insurancefortexans.com/hubfs/Stock%20images/Funny%20man%20wearing%20cardboard%20box%20on%20his%20head%20with%20smiley%20face.jpeg --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # Does Home Insurance Cover A Car Crashing Into My Grapevine House Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Sep 13, 2020 10:44:10 AM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share) We see some stranger things here at Insurance For Texans. It's not just the crazy Facebook memes that abound with video evidence of cars that careened into a home leaving the exterior curb appeal immensely altered. Have we put some on our [business Facebook page](https://www.facebook.com/Insurance4Texans/)? Guilty.  We see some of these situations up close and personal. It never fails for someone to ask, "Whose insurance will pay for this?" Driver? Homeowner? Anyone? Bueller? [![I Want The BEST Grapevine Home Insurance](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/b8991eae-9f1c-4ab5-967f-fc98e4923fa2)   If you wonder the same thing, you are not alone. It is a super-confusing situation. ### Responsibility of Auto Insurer Hopefully the driver making your home target practice has insurance. That way, any damage to your home will be covered by their policy's Property Damage portion of their liability coverage.  At the same time, the damage of your home can create a potential problem. [The Texas state minimum required for property damage](https://www.tdi.texas.gov/pubs/consumer/cb020.html) on auto policies is $25K.  If a car strikes your home and knocks down a wall supporting your home, that damage is sure to go beyond $25K.  Who is responsible for the remaining amount to get you back to right? Court is an option, but will you win the judgement for that amount? That's not a guarantee. This is why we always recommend with very strong voices to carry **AT LEAST $100K IN PROPERTY DAMAGE** on your auto policy.    ### So What Happens Next? A [Grapevine home insurance policy](https://www.insurancefortexans.com/grapevine-home-insurance-0) through Insurance For Texans will cover you home. The repairs get covered under the [All Other Peril](https://www.insurancefortexans.com/blog/what-is-an-all-other-perils-deductible) deductible you pay on your home policy. Even if the driver doesn't have enough coverage, you won't be left footing the major bill of getting your home back to normal.  You will pay the deductible amount, yes, but that won't have you on the hook for something extremely unaffordable. This will also give you access to using your [loss of use](https://www.insurancefortexans.com/blog/loss-of-use-can-save-your-financial-bacon) coverage to live somewhere while repairs are made.  Most insurance can be straightforward, but this is life, it involves people, and people do odd things, like crashing cars into your home when you'd prefer they not do that.  We keep our eye out for these stranger things and make sure we advise you on the best coverage so you don't get left in a pickle. As an [independent insurance agency](https://www.insurancefortexans.com/blog/grapevine-independent-insurance-agent-0), our advice includes a bevy of policies from a variety of companies to suit your needs. There's nothing strange about that.  [![Get TRUE Texas Home Insurance](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/07bab4c2-3d85-4d37-a4ab-0172da21ac5f.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/07bab4c2-3d85-4d37-a4ab-0172da21ac5f) Topics: [home insurance](https://www.insurancefortexans.com/blog/tag/home-insurance), [insurance for texans](https://www.insurancefortexans.com/blog/tag/insurance-for-texans), [deductible](https://www.insurancefortexans.com/blog/tag/deductible), [North Texas](https://www.insurancefortexans.com/blog/tag/north-texas), [Dallas/Fort Worth](https://www.insurancefortexans.com/blog/tag/dallas-fort-worth), [homeowners insurance](https://www.insurancefortexans.com/blog/tag/homeowners-insurance), [Home Insurance Tips](https://www.insurancefortexans.com/blog/tag/home-insurance-tips), [independent insurance agency](https://www.insurancefortexans.com/blog/tag/independent-insurance-agency), [Grapevine Home Insurance](https://www.insurancefortexans.com/blog/tag/grapevine-home-insurance) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### Ron Wadley Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/does-grapevine-home-insurance-cover-a-car-crashing-into-my-house#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2024-02-08T23:02:11.657Z", "datePublished" : "2020-09-13T15:44:10.000Z", "headline" : "Does Home Insurance Cover A Car Crashing Into My Grapevine House", "image" : [ "https://www.insurancefortexans.com/hubfs/Stock%20images/Funny%20man%20wearing%20cardboard%20box%20on%20his%20head%20with%20smiley%20face.jpeg" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/does-grapevine-home-insurance-cover-a-car-crashing-into-my-house", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.insurancefortexans.com/media-transcripts/12397065225/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/Does%20Home%20Insurance%20Cover%20A%20Car%20Crashing%20Into%20My%20House.mp4", "dateModified" : "2025-09-08T14:38:14.407Z", "description" : "Have you ever seen the meme's on Facebook where the car is sitting in the house and wondered who pays for the damage? 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