Comprehensive car insurance is more expensive than basic auto insurance coverage. Additionally, you aren’t legally required to buy this form of insurance. However, there are some good reasons why Fort Worth drivers should consider comprehensive coverage.
What’s Covered Under a Comprehensive Car Insurance Policy?
Comprehensive car insurance covers damage to a vehicle that isn’t related to a vehicle collision. This includes:
- Damage or loss caused by inclement weather, including hurricanes, earthquakes, and floods. This is important because nearly 40% of Fort Worth’s properties are at risk of flooding.
- Theft of a vehicle or vehicle parts. In 2023, over 115,000 vehicles were stolen in the Lone Star State. In fact, Texas had more vehicle thefts than any other state in the nation except California.
- Damage caused by a collision with an animal
- Broken windshields and damage from falling objects, such as rocks and debris
What Isn’t Covered by a Comprehensive Car Insurance Policy?
Comprehensive car insurance doesn’t cover damage to or loss of personal belongings in your vehicle. Additionally, it doesn’t cover damage caused by hitting a pothole. It’s also important to note that the amount of compensation you’ll receive after an accident depends on the policy’s terms, conditions, and deductible.
Find out More from SWH Insurance Agency LLC
If you own an expensive vehicle or live in an area of Fort Worth with a high crime rate, you’ll want to ensure your vehicle is always fully protected. At SWH Insurance Agency LLC, we help drivers assess their coverage options and find a policy that meets all their needs. We sell both standalone policies and policy bundles to keep your insurance costs to a minimum. Call us to find out more or to get policy quotes.
