As we all know, car insurance serves the purpose of protecting us financially from numerous perils we may face as drivers on the road. The most common perils are obvious: car accidents, auto theft and damage due to bad weather and other circumstances. All insurance providers offer different types of policies that let you cover such perils effectively and it all boils down to comparing auto insurance quotes in order to get the most affordable deal for your wallet. However, sometimes car owners can face perils that are not so common and that don’t make part of the usual comprehensive coverage list. If you want to protect your car from such perils let’s take a look at them and explore your options.

Earthquake

Earthquake damage can often make the part of exclusion clause list in many policies even if you purchase comprehensive coverage. It is more likely to have this type of coverage excluded if you live in an area with a high risk of such peril (think California for example) and the insurance company will require you to purchase a weaver to include this coverage option. Earthquakes can be a serious threat to the car, especially when stationed, with the potential of totaling the vehicle beyond repair if it happens to stay near elements of infrastructure that are prone to collapsing. So make sure to ask your provider if you can purchase this coverage as an additional weaver.

Flood

Flood is also one of those things that can seriously damage your vehicle and cause a serious financial impact if you’re not insured against it. As in case of earthquake damage flood can be excluded from the list of circumstances covered by comprehensive coverage in areas and states where the risk of such peril is higher. So if you live in designated flood area (near rivers, lakes, dams and other bodies of water) it would be useful to get this coverage type as a weaver. Sure, it will give you higher auto insurance quotes in the first place but you will be able to protect your car against a significant.

Tornado

Tornadoes are a very devastating act of nature that causes billion dollar losses annually and destroys thousands of homes in several states of the US. With the power to shatter a typical wooden house an lift cars off the ground this peril is one of the least liked by insurance companies because they know how devastating these things can be. Tornadoes are never included into comprehensive coverage and you have to buy the coverage separately. Moreover, you should do it prematurely because if you start looking for tornado coverage right before the tornado season (April, May, June) most insurers will deny your application because of the high risk.

Car contents during theft

Another aspect of comprehensive coverage that doesn’t get covered in most cases are the contents of the car being stolen. If you happen to have any valuable things in your car their cost won’t be reimbursed by the insurance company even if you get comprehensive coverage. The insurer will pay the value of the stolen car but all the things that were in it won’t be paid for. There’s only one opportunity to cover these things as well – check if your home insurance policy includes the items on your property, not only in your house. So if you’re unlucky to have the car stolen from your garage or front yard you will be paid by the home insurance policy for the contents of the car.