What Does Comprehensive Car Insurance Cover?
This is a question best answered by your agent, as each policy has different specific things that they cover, and different deductibles to go with it. However, you can generally count on it covering fire, flood and damage to your car if it is stolen. Some policies also cover things like damage from animals, hurricane/wind damage, or repairs to your car if it breaks down.
In certain areas the premium may be higher, and even extraordinarily high for high risk locations. For instance, if you live in a town where flooding occurs on a regular basis you’ll have to pay a much higher premium than say somewhere that only has a flooding incident once every ten years.
Most people don’t require comprehensive car insurance. The general liability that is required by the state is sufficient enough for most drivers. However, if you have a car that you have restored and has a lot of value, or just own an expensive or personally significant car, then you may want to consider comprehensive insurance. Ask your agent for premium details, types of coverage and deductibles.
If you need more information you can read an extensive article here about Comprehensive Auto Insurance
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