Car Insurance Does full coverage insurance cover acts of nature, like floods or earthquakes? Find out if full coverage car insurance protects you against natural disasters like floods and earthquakes. View Carriers Please enter valid zip Compare top carriers in your area Written by Insure.com's EditorUpdated on: May 24, 2024 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. 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. What does full coverage insurance typically include? Full coverage insurance isn’t a specific policy; rather, it’s a combination of types of coverage, including liability, collision, and comprehensive. While liability covers damages to other vehicles or property that you cause, collision covers damage to your vehicle in an accident. Comprehensive insurance is what steps in for damage caused by non-collision events, which typically include natural disasters. Understanding acts of nature In insurance, “acts of nature” refer to events that are beyond human control, such as floods, earthquakes, and hurricanes. These events can cause significant damage, and thus, understanding how they are covered is essential for every policyholder. Comprehensive coverage typically covers damage caused by acts of nature such as floods, earthquakes, hurricanes, and even falling objects like trees. Every insurance policy has its limitations and exclusions. It’s important to read the fine print and understand what is and isn’t covered in your policy. For example, some policies might exclude certain types of natural events or require a separate deductible. How to make sure you have adequate insurance coverage? To ensure you are adequately protected against acts of nature, evaluate the risk in your geographical area and discuss with your insurance company the necessity of additional coverage, such as flood or earthquake insurance. 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. Reach out to your car insurance company for coverage details. They can help you understand the extent of protection your full coverage policy offers, especially against 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. Final thoughts Comprehensive coverage, protects 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. 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? 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