Car Insurance Does full coverage insurance cover acts of nature, like floods or earthquakes? View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on August 18, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 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? Used car insurance costs: Most and least expensive models to insure 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 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 On this page Understanding coverage for natural disastersThe value of comprehensive coverageReviewing your policyConclusion Get instant quotes now ! Please enter valid zip Get Quotes