Does Car Insurance Cover Flood Damage

Car insurance is a valuable financial safety net for drivers, covering many unforeseen events such as accidents, theft, and natural disasters. While most people know their insurance policy can help repair or replace their vehicle after a collision, they might wonder whether car insurance covers flood damage. In this blog post, we’ll look at vehicle insurance and flood insurance complexities to help you better understand your policy and plan for unforeseen events.

Flood insurance

Understanding Comprehensive Coverage

To determine whether your car insurance covers flood damage, you must look closely at your policy, specifically the comprehensive coverage section. You can add comprehensive coverage, also called “comp” coverage, to your auto insurance policy. This extra coverage will pay for a range of incidents that are not caused by collisions, such as:

  1. Natural Disasters: Floods, hurricanes, tornadoes, earthquakes, and wildfires are among common natural disasters that are covered under comprehensive insurance. However, reviewing your policy’s terms and conditions is crucial, as coverage may vary depending on your location and insurance provider.
  2. Theft: If your vehicle is stolen or vandalized, comprehensive coverage can assist cover the cost of repairs or, in the worst-case scenario, replacement.
  3. Falling Objects: If your car is damaged by falling trees, debris, or other objects, comprehensive coverage can come to the rescue.
  4. Animal Collisions: Comprehensive insurance covers damage from animal collisions, such as deer or dogs.

It’s important to note that comprehensive coverage is optional and not mandated by law like liability insurance. If you have a car loan or a lease, your lender may require you to maintain comprehensive coverage until it is paid off.

Flood Damage and Comprehensive Coverage

Now, let’s specifically address whether car insurance covers flood damage. In most cases, comprehensive coverage does protect against flood damage. This coverage extends to natural floods caused by heavy rain, rivers overflowing, storm surges, and artificial floods caused by burst pipes or water main breaks.

However, there are a few factors to consider:

Geographic Location

The extent of your flood damage coverage may depend on your geographic location. Live in an area prone to flooding. Your insurance premiums may increase, and you might have specific limitations or deductibles related to flood damage.

Types of Floods

Comprehensive coverage typically covers many flood-related incidents. However, if you live in an area prone to frequent flooding, consider exploring additional flood insurance options or endorsements for extra protection.

Policy Details

To fully comprehend the particular conditions, restrictions, and deductibles linked to flood damage, it is essential to examine your policy paperwork and consult your insurance provider.


Car insurance can cover flood damage, provided you have comprehensive coverage as part of your policy. However, the extent of coverage and any additional requirements or limitations may depend on factors like your location and the terms of your policy. To ensure you have the right protection, reviewing your policy, discussing your needs with your insurance provider, and considering any additional flood insurance options if you live in a flood-prone area is always advisable. We at Pelican Insurance Agency are here to assist you in understanding your coverage and making the best decisions to protect your vehicle against unexpected events like flood damage. Appropriate coverage will help you navigate unexpected situations and recover from flood-related damage more smoothly.