What Does Comprehensive Insurance Cover? A Simple Guide for Car Owners When people shop for car insurance, they often come across the term comprehensive insurance . But what does comprehensive insurance cover, and is it different from collision coverage? Comprehensive coverage is designed to protect your vehicle from many types of damage that happen outside of a typical collision . It can help pay for certain losses caused by events such as theft, fire, hail, flooding, vandalism, falling objects, and contact with animals. However, comprehensive insurance does not cover everything that can happen to your car. Understanding what it covers, what it excludes, how the deductible works, and how it differs from collision insurance can help you understand your policy before you need to file a claim. Important: Insurance rules, exclusions, deductibles, and coverage options can differ by insurer and location. Always check your own policy documents for the exact terms that apply to you...