Comprehensive coverage is auto coverage designed to cover non-collision or non-rollover auto insurance claims. Claims arising from a collision or rollover are covered under collision insurance.
Comprehensive insurance protects the insured against damages caused by covered perils and typically includes theft of the auto, or damage caused to an auto during theft, and damage that results from fire and vandalism. It also provides coverage for damages caused by falling objects or related to natural disasters, such as tornadoes and hurricanes. Damage cause by animals or during civil disturbances are also covered. Covered perils may vary from policy to policy, so policyholders should check their particular policies to ensure coverage.
Comprehensive coverage is sold as an add-on to a basic liability policy, although it is sometimes bundled with collision coverage. Some auto owners may be required to purchase comprehensive coverage by their lenders or lease holders; this is typically true whenever there is an outstanding debt against the vehicle.
For vehicles that are not financed or leased, comprehensive coverage is generally optional. The decision to buy comprehensive coverage is usually based on the replacement value of the vehicle, and whether or not the owner wants to be responsible for repairing damage to the vehicle if a claim arises.