Do You Need Special Auto Coverage for Hurricanes, Flooding or Wildfires?

As extreme weather events become more frequent, many drivers are left wondering whether their standard auto insurance policies offer enough protection. Hurricanes, flooding and wildfires can cause significant damage to vehicles, and not all insurance plans automatically cover these natural disasters.

Auto Insurance for Severe Weather Events

To be fully protected, you typically need comprehensive auto insurance. This type of coverage goes beyond collisions and can include financial coverage for damage from noncollision events such as weather events, theft, vandalism and falling objects. If your car is damaged by floodwater, scorched by wildfire or crushed by debris during a hurricane, comprehensive coverage may help pay for repairs or replacement.

It’s important to note that liability insurance, which is the minimum required in most states, does not cover damage to your own vehicle from natural disasters. Similarly, collision insurance only covers damage from accidents involving other vehicles or objects—not weather-related incidents.

If you live in a high-risk area, such as coastal regions prone to hurricanes, flood zones or wildfire-prone states, it’s wise to review your policy and consider adding or upgrading to comprehensive coverage. Some insurers may also offer special endorsements or riders for specific risks, so it’s worth discussing your options with your insurance provider.

Lastly, remember that insurance providers may place temporary restrictions on purchasing new coverage when a storm or wildfire is imminent. Planning ahead is key to appvropriately protecting your vehicle before disaster strikes.

Learn More

For auto insurance near you, contact Harlan Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.