Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Acreage comes with outbuildings, and outbuildings fill up. Sooner or later one of the cars in your barn belongs to somebody else — and almost nothing about that arrangement is covered the way either party assumes.
Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.
Argyle, Bartonville and Copper Canyon are acreage country, and a barn with a concrete floor is the most useful thing a car friend can own. So the arrangement happens constantly: a project belonging to a brother-in-law, a club member’s car parked while a garage is rebuilt, an estate car sitting until somebody decides what to do with it. Legally this is bailment — you have taken custody of property you do not own — and it sits in a gap between policies. Your collector policy insures vehicles you own and have scheduled; it does not extend to somebody else’s car merely because it is on your land. Your homeowners policy excludes motor vehicles. The owner’s policy, if one still exists, may not contemplate the car being kept at an address that is not theirs, and storage at an unlisted location is a common reason a claim gets examined closely. If the barn burns, three policies can each have a reason to decline. The fix is unglamorous and effective: confirm the owner keeps their own coverage in force, get the storage address on it, and put the arrangement in writing before the car arrives rather than after the loss.
Get a Free Classic Car QuoteCustody without ownership is its own exposure.
Taking a car into your barn makes you a custodian of property you do not own. That relationship carries duties, and it is not addressed by either of your own policies.
Your collector policy covers scheduled cars you own. Your homeowners policy excludes vehicles. The owner’s policy may not list your address as where the car lives.
Garaging location is a rated fact, not a formality. A car quietly stored somewhere the carrier has never been told about is the kind of detail that surfaces during a claim.
A short written agreement naming the owner, the term and who insures what turns an awkward post-loss conversation into a filed document.
Space is the reason, and the reason it keeps happening.
Concrete, power and height. The most useful storage in the county and the least formally insured.
Structures rated as agricultural on the homeowners policy, holding contents nobody rated.
Partial shelter that satisfies neither a storage requirement nor a garaging one.
The same arrangement in reverse, with your car at somebody else’s address.
Vehicles parked during probate, often with no active policy at all behind them.
FAQ
Your cars scheduled properly, and a clear answer on the one in the barn that is not yours. Call us.
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Also in Argyle: Argyle homeowners insurance, Argyle auto insurance, Argyle landlord insurance, Argyle renters insurance, Argyle umbrella insurance and Argyle life insurance.
Part of our statewide Texas classic & collector car insurance coverage.