Comprehensive coverage is a type of auto insurance that helps cover the cost of repairing or replacing your vehicle if it is damaged by something other than a collision. This could include damages caused by things like theft, vandalism, fire, natural disasters, or animal strikes.
Like collision coverage, comprehensive coverage is typically optional and can be added to your auto insurance policy if you want this type of protection. If you have comprehensive coverage, your insurance company will typically pay for the cost of repairs or replacement up to the limits of your policy. You may be required to pay a deductible, which is a set amount that you agree to pay out of pocket before your insurance company will cover the remaining costs.
Comprehensive coverage is typically recommended for drivers who have a newer or more expensive vehicle, as the cost of repairing or replacing these types of vehicles can be significantly higher than the cost of repairing an older or less expensive vehicle. It is important to carefully review your insurance policy to understand what is and is not covered by your comprehensive coverage.