Does Car Insurance Cover Flood Damage?

When you imagine all the dangers threatening your car, water’s probably far down the list. But flood damage happens, and it can have a devastating impact. Is my car covered for flood damage?

Since people are used to purchasing separate flood policies for their homes automatically, they begin to think that they need to shop for some flood insurance for their cars. 

So where Can You Purchase Flood Insurance for Cars? 

The answer is that cars are easily insured against flood damage if you purchase Comprehensive coverage to protect your vehicle.  Auto policies provide coverage for your legal liability for damage to others and their property, but they can also protect your vehicle from some of the vagaries of life. Below is a typical explanation of Comprehensive Coverage.

  •  Comprehensive Coverage – pays if your car is damaged in a way that does not involve collision. Risks covered under the standard auto policy are: theft, hail, fire, flood, earthquake, explosion, falling objects, vandalism, and involvements with animals. Lenders require this coverage if you have an automobile loan, but this is not required by the state.

If you have a loan on your car then rest assure that you have this coverage in place as the lenders require it. Otherwise, check with your insurance agent to make sure that Comprehensive coverage is put on your policy. We at Horizon Insurance advise all of our clients to have comprehensive insurance and will be happy to assist you!

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