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How does FTCAC differ from comprehensive coverage?

What is the difference between FTCAC and comprehensive? It looks to me like they cover the same things.

avatar
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“That is a good question. FTCAC is actually a type of
comprehensive coverage
.
Comprehensive is what insurers refer to as an “”open-peril coverage,”” meaning that it covers anything that is not specifically excluded under the policy except for collisions.
FTCAC, or fire and theft with combined additional coverage, is referred to as a “”named-peril coverage.”” It only covers claims resulting from those perils (causes) that are specifically listed on the policy. Some carriers refer to FTCAC as “”limited comprehensive”” due to this limitation. “
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