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Yes, homeowners insurance does indeed cover a car crashing into your house. Damage caused by vehicles to your house is listed as a covered peril on standard home insurance policies. Even though the incident may not be your fault, you’ll be responsible for paying the your home insurance deductible.

HO-6 is home insurance for owners of co-ops or condominiums. It provides personal property coverage, liability coverage and specific coverage of improvements to the owner's unit. An HO-6 policy will cover interior damage to your unit, improvements, additions and alterations you've made and your personal property. Additional living expenses, if your residence is not able to be lived in due to a covered peril, is usually also included. HO-6 insurance is designed to coordinate coverage with your condominium or cooperative's master policy.

Yes, it’s possible. Unoccupied homes can be hard to insure because they can easily fall into disrepair or be targeted by miscreants, making your home too much of a risk for your homeowners insurance company. Most home insurance companies have rules about how long a home can be vacant or unoccupied before the insurance is cancelled. Typically, home insurance coverage is in jeopardy if a home is left unoccupied for 30 or more consecutive days.