What if my car is in a friends GARAGE and it burned down including my car?

Homeowners insurance does not cover automobile losses.

If you have full coverage insurance on your car you can seek coverage from your auto insurer.

If you have only liability insurance then that is just the chance you take in opting not to obtain full coverage.

AnswerIf you had full coverage insurance, it would pay for it. If he had insurance on the building, there should have been coverage for contents. He would collect and you would have to get him to pay you for your car. You might have to sue him for it if he doesn't want to pay.