Damage to motor vehicles is excluded from the flood insurance policy, which is designed to protect your home and belongings. If you have comprehensive coverage for a car damaged by a flood, your car insurance policy may pay for the repair or replacement of your vehicle. Both comprehensive coverage and collision coverage insure your car, but they cover different events. Comprehensive insurance coverage covers damage caused by events that are considered beyond your control, such as theft, acts of vandalism, blows to an animal, broken glass, fire, and weather-related incidents (for example, comprehensive coverage is optional coverage).
Although optional, auto lenders may require you to carry comprehensive insurance when leasing or financing a vehicle. It can cover damage caused by fire, hail, vandalism, theft or collisions with animals, among other unexpected and uncontrollable events. Comprehensive car coverage doesn't cover damage caused by a collision with another vehicle or object. Comprehensive car insurance doesn't cover damage to your car from a collision with another vehicle or object other than a living animal.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. If you live in an area with a higher risk of flooding, you can take out flood insurance from the National Flood Insurance Program (NFIP) or from a private flood insurance company.