What Is All-Perils Car Insurance?

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Whether you’re looking to purchase car insurance for the first time or you’re interested in switching up your existing policy, there are a wide variety of coverage options you should consider before selecting a package that suits your needs.
One such option is all-perils car insurance, which provides you with coverage in the event of an accident or emergency. Read on to learn everything you need to know about all perils car insurance, including what it is, what it covers, and why you should consider taking out a policy.

All-perils auto insurance explained

Also commonly referred to as all-risk car insurance, all-perils auto insurance provides car owners with both comprehensive coverage and collision coverage. This plan offers an extremely thorough protection plan, meaning that insured parties are fully covered in the event of an accident or car-related emergency, no matter who is at fault. Additionally, this type of insurance plan will cover all broad types of loss, with the exception of any exclusions listed in your specific policy, so in many circumstances a claim can result in maximum payout.
Including both collision coverage (which covers any accidents) and comprehensive coverage (which covers things such as theft, property damage, etc.), an all-perils car insurance policy provides insured parties with one of the best protection plans without breaking the bank. These policies typically cover the named perils and a few additions, including:
  • Civil disturbances (ex. riot)
  • Earthquake
  • Explosions
  • Falling objects
  • Fire
  • Lightning
  • Rising water
  • Theft/Vandalism
  • Wind/Hail
There are also additional benefits that come with selecting this policy type, such as receiving liability protection in the event that an additional driver or someone within your household damages your vehicle.

Benefits of an all-perils policy

Though it is more expensive than most insurance policies, all-perils car insurance provides comprehensive coverage that will keep you protected at all times and in almost any circumstances.

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