Bill Layne Insurance 📞 336-835-1993 Home › Blog › NC Insurance › Driveway Coverage Why doesn't my North Carolina homeowners insurance cover my car if it is damaged in my driveway? By Bill Layne | Last Updated: May 15, 2026 🛡️ NC Licensed Expert since 2003 THE SHORT ANSWER No, your North Carolina homeowners insurance does not cover your car, even if it is parked in your driveway. Home policies explicitly exclude "motor vehicles." Damage to your car—whether from a falling tree, hail, or theft—must be claimed under the Comprehensive (Other Than Collision) portion of your auto insurance policy. ⚡ In a Hur...