What is comprehensive car insurance? It’s a coverage that can help pay for damage to your vehicle not caused by collision. Damage that comprehensive coverage applies to include:
  • Vandalism
  • Theft
  • Accidents involving animals
  • Certain falling objects, such as tree branches or debris
  • Fires, civil commotions and explosions
  • Hail damage and other weather events 
You're responsible for paying the deductible at the time of the claim. 

Adjust your comprehensive car insurance policy to fit your needs

Some policies will insure your vehicle for its actual cash value rather than for the replacement cost. That reflects the current value of the vehicle, not what you paid for it. In some states, you can purchase extra coverage, such as gap coverage, new car replacement coverage or vehicle value upgrade. These coverages offer extra protection for newer cars.

Comprehensive insurance limits

You have more options when selecting your comprehensive coverage deductible amount, which is the amount of money you pay before insurance kicks in. To lower your comprehensive coverage rate, you can choose to have a high deductible, such as $1,000. However, you need to make sure you can pay that amount out of pocket if you file a claim. A lower deductible might increase your rate, but it will cover more of your costs in the event of a covered accident.

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Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

The information included here is designed for informational purposes only. It is not legal, tax, financial or any other sort of advice, nor is it a substitute for such advice. The information may not apply to your specific situation. We have tried to make sure the information is accurate, but it could be outdated or even inaccurate in parts. It is the reader’s responsibility to comply with any applicable local, state or federal regulations. Nationwide Mutual Insurance Company, its affiliates and their employees make no warranties about the information nor guarantee of results, and they assume no liability in connection with the information provided. 
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