Does Car Insurance Cover Flood Damage?

(Get all your answers from an expert and find the coverage you need.)
Written by Ashley Surinak
Written by Ashley Surinak

Insurance doesn’t have to be boring. That’s why we hired Ashley Surinak to be our BA insurance writer. Ashley specializes in making mundane subjects hella-entertaining.

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Q: Does Car Insurance Cover Flood Damage?

A: Comprehensive coverage in an auto insurance policy generally covers water damage caused by flooding. Keep in mind that comprehensive coverage is different from collision coverage. Comprehensive coverage is what covers damage not caused by accidents, such as a flood. However, it won't cover water damage caused by your own negligence. By this we mean water damage caused by you leaving your window open during a storm.

Comprehensive coverage is optional, but an auto lender may require it. If you aren't sure whether you need comprehensive coverage or want to price potential policies, talk to your independent agent.

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