Car Insurance Does full coverage insurance cover acts of nature, like floods or earthquakes? By Insure.com's Editor | Updated on August 18, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Full coverage insurance often includes comprehensive coverage, which provides a level of protection against acts of nature like floods and earthquakes. Here’s a deeper look into how this coverage works. If your vehicle sustains damage due to a covered act of nature, your comprehensive coverage typically comes into play. This coverage helps pay for the repair or replacement of your vehicle, up to the policy’s limits, minus your chosen deductible. Understanding coverage for natural disasters Comprehensive coverage – Full coverage insurance often includes comprehensive coverage beyond accidents. It typically covers damage caused by acts of nature such as floods, earthquakes, hurricanes, and even falling objects like trees. Special considerations – While comprehensive coverage generally encompasses these incidents, reviewing your policy to ensure no specific exclusions or limitations related to certain types of natural disasters is crucial. The value of comprehensive coverage Comprehensive coverage offers peace of mind in unpredictable situations. It ensures that your vehicle is protected not only from accidents but also from the forces of nature. Consider your geographical location and the likelihood of specific natural disasters. Comprehensive coverage is highly valuable if you live in an area prone to floods, earthquakes, or other events. Reviewing your policy To clarify your coverage, reach out to your insurance provider. They can help you understand the extent of protection your full coverage policy offers, especially about acts of nature. If you find gaps in your coverage, discuss options with your provider. They can guide you in adjusting your policy to better safeguard against specific natural disasters. Conclusion Full coverage insurance, often comprehensive coverage, can protect your vehicle from acts of nature like floods and earthquakes. While reviewing your policy and consulting your provider, you can ensure you have the coverage to face unexpected natural events confidently. Remember, comprehensive coverage offers an added layer of security, allowing you to drive with greater peace of mind regardless of what Mother Nature might bring. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes