I have been through a house fire and went through a few intricacies with the 2 insurance companies involved. A few issues are relevant here.
A booster seat for the car was stored in the attic. The car was not damaged but the Insurance company insisted that I file a separate claim for the car as the seat belonged to the car. This way they could claim two lots of excesses. I refused, and they eventually settled.
As mentioned by others, generally
- Only one insurance policy applies if you have two policies with the same company.
- You can't benefit from the insurance claim
If the total damage is $1000 and you claim under two policies, that would be $500 each. If your excess is $500 each, you won't get a cent.
(1) I had an interesting scenario. The house policy and the contents policy each paid 3 months of rent while the house was getting rebuilt. My argument with them was that they knew it would take a year to rebuild, so they should have offered me options. So they re-interpreted their policy (supposedly "just for me"). Once the first policy had paid out for 3 months, it no longer applied, so then they paid me for 3 months from the other policy.
(2) I had 2000 books, many of which were damaged. I could have purchased newer ones on Amazon. But then I would have benefited. Instead, they made me buy a similar, second-hand one for each damaged book. I had to track each book down. And in each case, it was more expensive than buying newer ones. But I did not benefit