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Garage fire insurance?

My parents garage caught fire this weekend. It started in one of the cars and burnt the entire thing down pretty much. Two cars, a boat, and a camper were lost in the fire. Now the insurance company (Farmers) is trying to say that none of those are included under home owners insurance because they have their own plates. The cars is semi-understandable because they have their own insurance, but the boat and camper don't. Beside the fact I'd like to say how crooked this is, I'd like to ask a question. Now the boat hasn't been registered in two years. Because of this we have been told by another insurance company that it should be covered considering it is there because it's not being used. Anyone out there have any idea if this is true or not?

   








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My parents garage caught fire this weekend. It started in one of the cars and burnt the entire thing down pretty much. Two cars, a boat, and a camper were lost in the fire. Now the insurance company (Farmers) is trying to say that none of those are included under home owners insurance because they have their own plates. The cars is semi-understandable because they have their own insurance, but the boat and camper don't. Beside the fact I'd like to say how crooked this is, I'd like to ask a question. Now the boat hasn't been registered in two years. Because of this we have been told by another insurance company that it should be covered considering it is there because it's not being used. Anyone out there have any idea if this is true or not?


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Garage fire insurance?
My parents garage caught fire this weekend. It started in one of the cars and burnt the entire thing down pretty much. Two cars, a boat, and a camper were lost in the fire. Now the insurance company (Farmers) is trying to say that none of those are included under home owners insurance because they have their own plates. The cars is semi-understandable because they have their own insurance, but the boat and camper don't. Beside the fact I'd like to say how crooked this is, I'd like to ask a question. Now the boat hasn't been registered in two years. Because of this we have been told by another insurance company that it should be covered considering it is there because it's not being used. Anyone out there have any idea if this is true or not?


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Garage fire insurance?
My parents garage caught fire this weekend. It started in one of the cars and burnt the entire thing down pretty much. Two cars, a boat, and a camper were lost in the fire. Now the insurance company (Farmers) is trying to say that none of those are included under home owners insurance because they have their own plates. The cars is semi-understandable because they have their own insurance, but the boat and camper don't. Beside the fact I'd like to say how crooked this is, I'd like to ask a question. Now the boat hasn't been registered in two years. Because of this we have been told by another insurance company that it should be covered considering it is there because it's not being used. Anyone out there have any idea if this is true or not?