This is what insurance is for. The people who would be at most risk is someone who just bought a car and for a few instances the car isn't covered.
As far as homeowners covering a car? No way. That's what they sell car insurance for.
In the case of the Pantera though here is a perfect illustration of why to insure the car for replacement(repair) costs not the market value.
PANTERA INTERNATIONAL
A DE TOMASO CAR CLUB
Presents the De Tomaso Forums
The On-Line Meeting Place for De Tomaso Owners and Enthusiasts From Around the World
Clicking on the banner will take you to the sponsor's website.