Hail damage on the hood and windshield of a car

What is Covered with Comprehensive Insurance?

Why You Should Consider Comprehensive Insurance

When you purchase your vehicle and have to shop around for car insurance, consider adding comprehensive. Of course, especially if you are new to the car insurance world, you may not know what that means. What exactly is covered with comprehensive insurance? Is it worth it to purchase comprehensive insurance? We will help you decide that here at Broadway Credit.

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Comprehensive Insurance Coverage

Fallen tree on top of a white car

Damage covered with comprehensive insurance may vary based on the car insurance provider you select. Regardless, you can expect all or most of the following to be covered by comprehensive insurance with your favored insurance provider:

  • Fire
  • Flooding
  • Damage from storms (hail, tornadoes, hurricanes, etc.)
  • Earthquakes
  • Falling objects such as trees or tree limbs
  • Car theft
  • Car vandalism
  • Destruction of the car due to civil unrests/riots
  • Hitting or getting hit by a deer or other wild animal

Basically, comprehensive insurance will cover damage that you have no control over. If you are unsure if your provider will cover for any of these situations, contact your insurance company.

Should I Get Comprehensive Insurance for My Car?

Male white-tailed deer standing in a field

So, should you get comprehensive insurance for your car? As long as it’s not required while leasing or paying off that vehicle, that decision is up to you. While it’s highly recommended that drivers insure their car with comprehensive insurance in case one of the above situations occur, you should first consider the value of your vehicle and your deductible.

To find out if comprehensive insurance is worth it for you, subtract your deductible from the value of your car. Then, take that amount and subtract the cost of your comprehensive insurance for six months. If the total is negative, you’re paying more than you will receive if you need it and you should consider dropping it. If it’s positive, it would make sense to hold onto it, especially if that number is large.

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Do you need a vehicle you can depend on? Are you on a budget? Browse our high-quality and affordable vehicle inventory online here at Broadway Credit! For more tips and tricks like this, make sure to also follow the Broadway Credit blog.