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Does car insurance cover water damage?

The interior of my 2015 Hyundai was damaged due to flooding in a recent storm. Will my car insurance cover the cost of repairs?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“I am sorry to hear about your car, but luckily your insurance policy will cover you!
Comprehensive coverage
 will help you pay for water damage to your vehicle.
Comprehensive coverage helps protect your vehicle from all the damages not due to a collision, such as:
  • Fire
  • Flood
  • Theft
Like with
collision insurance
, you’ll have to meet your deductible before your comprehensive coverage kicks in.
Flood damage is considered a not-at-fault loss, so you shouldn’t see the rate of your
car insurance
 change. However, if you do, give the folks at Jerry the chance to find a cheaper policy for you. After providing you with a comprehensive cross-analysis of the best policies across providers,
Jerry
 will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy!”
MORE:
How much water damage will total a car?
Car InsuranceComprehensive CoverageCar Damage
View full answer 
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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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