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Those with comprehensive auto policies are in luck. Comprehensive policies cover auto damage that doesn’t result from a collision or accident. Comprehensive insurance covers damage from events like hail, floods, theft and vandalism.
Several types of insurance might apply to a hit-and-run accident, including collision insurance, uninsured and underinsured motorist coverage, and liability insurance. Different states have different rules. Collision insurance might cover a policyholder’s parked car that’s damaged by someone else, if, say, another car side-swiped the insured car and pulled off the mirror or damaged the door.
An auto policy covers the car and its designated drivers. A designated driver is someone who is driving with the policyholder’s permission. In that case, they are usually covered for liability, including property damage and bodily injury. They would also be covered if driving the policyholder’s car and they’re hit by someone without necessary insurance coverage.
If a plumbing issue arises, your homeowners insurance may cover any water damage that occurs as a result; however, the costs to repair the actual plumbing issue, will likely not be covered under your standard policy.
The personal liability coverage within your homeowners insurance will typically cover a dog bite, up to the liability limits of the policy. The medical payments portion of your policy may also help to cover medical expenses associated with injuries sustained by the individual. However, coverage could depend on the breed of your dog or if your dog has a previous bite history. Check with your insurance provider to see if there are any breeds that are excluded from coverage.
Damage to your home’s foundation likely won’t be covered under your standard homeowners insurance policy, but it depends on what causes the damage. While faulty construction won’t be covered, water damage caused by a burst pipe may be. Be sure to check with your insurance provider to see what your particular policy covers.
No, your homeowner’s policy would not cover this. Comprehensive coverage, which is an optional coverage on your auto insurance policy, will cover this loss. We highly recommend looking into bundling home & auto insurance.
Comprehensive coverage will typically cover repair costs for your vehicle in case your car was damaged as a result of a break-in or stolen.
If personal belongings were stolen from your car, comprehensive auto insurance will not cover this. It will only cover the components and features that are permanent, pre-installed parts of the car. However, these items would likely be covered by a homeowners or renters insurance policy! We highly recommend you look into bundling to get fully covered.
(1) Average annualized savings on home and auto premiums, compared to stand-alone price of each policy, based on national data from May 2020. Actual savings will vary based on state, policy coverage selections, and rating factors.
(2) Optional features. Terms and availability vary by state.
*Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.