Comprehensive Insurance Coverage
Comprehensive insurance coverage covers non-collision related damage to your vehicle, such as theft or fire, as well striking an animal or a tree falling on your car in a storm.
A white umbrella logo and text on a red background. What is comprehensive coverage? A person types the term into a search bar.
Comprehensive coverage. You might have heard of it, but what is it?
They click the Search button. An animated framed image of a lightning bolt and storm cloud appears.
Picture this. A severe thunderstorm moves through your area. When you leave to go to work in the morning, you notice that your car has been heavily damaged
A pine tree falls on a car, cracking the glass.
by a fallen tree. That's what comprehensive coverage is for.
A car on fire. A car going front first into water.
Your coverage helps pay for damage to your vehicle that's not caused by a collision.
For example, your car is damaged by a windstorm, hail, fire, or flood.
Blowing wind, hail falling, flames, waves. A person hits a car with a stick. A scratched car.
Your car is stolen or vandalized, your car hits a bird or another animal.
A car strikes a deer.
For more answers, go to travelers.com.
Travelers red umbrella logo. Text, The information in this video is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions, and limits of the actual policy. Nothing in this video alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits discounts and deductibles are subject to state availability and to individuals meeting our underwriting criteria. Not all features available in all states. Insurance is under written by The Travelers Indemnity Company and its property causality affiliates, One Tower Square, Hartford CT. In TX, Automobile insurance is offered by Travelers Texas MGA, Inc. and underwritten by Consumer County Mutual Company (CCM). CCM is not a Travelers Company. In CA: Auto Insurance is underwritten by Travelers Commercial Insurance Company, Certificate of Authority #6519; State of Domicile: CT and Travelers Property Casualty Insurance Company. Certificate of Authority #6521; State of Domicile: CT. In WA: Automobile Insurance is underwritten by The Standard Fire Insurance Company. Underwriting companies in CA and WA are located at One Tower Square, Hartford, CT 06183. Copyright 2022 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo are registered trademark of The Indemnity Company in the U.S and other countries.
What Is Comprehensive Coverage?
If your car is stolen or damaged by something other than a collision, comprehensive coverage can help pay for covered losses, such as:
- Severe weather events (Windstorm, Hail, Flood)
- Animal impact
The maximum comprehensive coverage payout is the actual cash value of your vehicle minus the deductible amount you choose.
Comprehensive coverage limits and deductibles may vary by state, and is generally required if you have a loan or lease on your vehicle. Otherwise, coverage and limits are optional.