Under PAP, is damage to property owned by the insured typically covered?

• A. Yes
• B. Sometimes
• C. No
• D. Only with endorsement

Answer: (C)

Under a Personal Auto Policy, the coverage focuses on two main things: liability for damage you cause to others’ property, and physical damage protection for your own vehicle (collision and other-than-collision/comprehensive). It does not provide coverage for damage to property owned by you that isn’t the vehicle itself. So, in the typical PAP, damage to your own non-vehicle property isn’t covered unless you add a specific endorsement or have a separate policy that covers that property. That’s why the best answer is that it’s not typically covered. If you did have an endorsement that explicitly extends coverage to certain non-vehicle property, then coverage could apply, but that would be outside the standard PAP.