Comprehensive Insurance Coverage

Add-on protection for non-collision incidents that damage your vehicle.

What is Comprehensive Insurance Coverage?

Comprehensive insurance is coverage that pays the cost of repairing your vehicle if it is damaged for any reason besides a collision, after your deductible is met.

Think of it as an extra layer of security for the unexpected. Damage caused by things like a storm, flood, fire, vandalism, or theft are all incidents when Comprehensive would kick in to help cover costs.

Illustration: Yellow car with a tree branch in the windshield.

Customized coverage that protects your vehicle from the unexpected

Who’s is right for?

  • Those looking for maximum coverage on their car.
  • If you lease or finance your vehicle, you may be required to purchase this coverage.

What are the benefits?

  • You’ll avoid out-of-pocket costs if your car is damaged after you’ve met your deductible
  • Compensation if your car is totaled.

How Comprehensive Insurance Coverage works


Optional coverage added to auto insurance policy; may be required if vehicle is leased or financed

Deductible applies in the case of a claim

Covers losses caused by damage other than a collision

Common questions

Understanding Comprehensive Coverage

Question 1 of 5

Comprehensive insurance can be thought of as “other than collision” insurance:

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Other insurance coverages for your car


Collision Insurance Coverage

Repairs or replaces your car when it's damaged in collisions with another vehicle or object.


Liberty Mutual Deductible Fund

Save for the unexpected by lowering your deductible each year. Call us today to add it to your existing policy or begin your customized auto quote below.


Lifetime Repair Guarantee

We'll help you find an approved direct repair facility as a result of an accident.


New Car Replacement Insurance

If your new car is stolen or totaled in the first year, you’ll get the money for a brand-new car, not just the depreciated value.


Better Car Replacement Insurance

If your car is totaled, we’ll give you the money for a model that's one year newer.


Rental Car Reimbursement

Customized coverage that covers your rental car expenses in the event of a covered accident.


24-Hour Roadside Assistance

Learn about 24-hour Roadside Assistance from Liberty Mutual, always here for you in case of an emergency.


Gap Coverage

If your car is totaled or stolen, and its value is lower than the amount remaining on your loan, Gap Coverage will cover the remaining amount you owe.


Original Parts Replacement

Replace any damaged parts to your vehicle with parts that meet the highest quality standards.


Teachers' Auto Insurance

Receive exclusive savings on auto insurance. It's our way of showing appreciation for the difference you make.


Mexico Car Insurance

Auto coverage for driving south of the border. Learn more about how and when to temporarily add Mexico Car Insurance to your policy.