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What is Comprehensive Coverage?

By January 25, 2022Insurance

There are many factors that need to be considered when purchasing auto insurance. While auto insurance is often seen as a way to protect drivers when they get into an accident, vehicles also need protection, as there are many ways they can be damaged without actually being involved in a collision.

That’s where comprehensive coverage comes into play. If you don’t have this type of coverage included in your auto policy, you may want to consider adding it in order to give yourself an extra layer of security.

What Is Comprehensive Coverage?

Comprehensive coverage refers to coverage that protects vehicles in the event of damage by incidents other than collisions. Comprehensive coverage kicks in and helps out with potentially costly repairs or replacement costs resulting from a wide variety of incidents including:

  • Vehicle theft
  • Falling objects, such as a tree or tree branch
  • Fires
  • Inclement weather like hail, flooding or lightning
  • Explosions
  • Striking, or being struck by, an animal
  • Natural disasters like earthquakes, tornadoes or hurricanes
  • Riots and vandalism
  • Damage to the windshield or any glass


While it does offer a number of  protections, comprehensive coverage does not typically cover costs associated with:

  • Collisions
  • Towing
  • Rentals
  • Medical and legal expenses
  • Property stolen from your vehicle


Although comprehensive coverage is optional in most states, It may be required to carry this form of insurance if you are leasing or financing your vehicle.

Contact us today to learn more about comprehensive coverage and how it may be able to keep you and your vehicle safe.

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