Do car insurance policies cover hurricane damage?

I live in Florida. I recently bought a car and I am looking into car insurance. Does car insurance cover hurricane damage?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
car insurance company
will cover hurricane damage to your car as long as you have
comprehensive insurance
. Florida tends to have bad luck when it comes to hurricanes, so it’s great that you want to be prepared!
Comprehensive insurance is also known as “other than collision coverage” since it covers perils that aren’t collision-related. These include:
  • Vandalism
  • Theft
  • Water damage
  • Flood
  • Hail
  • Windstorm
  • Fire
If you have comprehensive insurance and your vehicle suffers damage related to a hurricane, you can submit a claim to your insurance. However, comprehensive insurance has a deductible attached to it, which is the amount you’ll be required to pay before your insurance kicks in. For example, if the hurricane causes $2,000 worth of damage to your car, and your deductible is $500, your insurance will cover $1,500 for repairs.
If you want to save money on comprehensive coverage, the
app is a good place to start. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies, including Nationwide, Allstate, and Travelers. The average Jerry driver saves $879 a year on car insurance!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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