Comprehensive Coverage Quote Forms
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Comprehensive Coverage Information
Protecting motor vehicles with auto insurance may seem routine, but policyholders must avoid complacency and ensure they have adequate coverage. Fortunately, certain additions may be able to fill any gaps in your insurance portfolio. One option that may be particularly critical is comprehensive coverage.
For nearly 50 years, the agents at Nolan Family Insurance have helped drivers in Fort Myers, Sarasota and Punta Gorda acquire insurance coverage.
What Is Comprehensive Coverage?
Like standard auto insurance policies, comprehensive coverage is designed to help protect your vehicle. However, this type of insurance is not only for cars. Comprehensive coverage can also be added to motorcycle, RV and boat insurance policies, and it may be available for ATVs, golf carts and snowmobiles.
Specifically, this type of coverage can provide financial assistance if your vehicle is damaged by the following:
- Fire
- Explosions
- Theft
- Vandalism
- Severe weather (e.g., lightning, hurricanes, hail)
- Hitting an animal
- Falling objects (E.g., tree limbs, rocks)
Comprehensive coverage will also usually include reimbursement for repairing windshields and other glass damage.
This type of coverage is often paired with collision coverage, which provides protection for collisions with another vehicle or object, such as a building or sign.
Who Needs Comprehensive Coverage?
While comprehensive coverage may not be legally required in some areas, most lenders will mandate it if you lease or finance your vehicle. If the decision is left up to you, there are several factors you may want to consider, including your financial situation (e.g., if you could afford repair or replacement costs out-of-pocket) and the age and value of your vehicle.
Get the Right Coverage
Even the most careful drivers can experience circumstances beyond their control that could result in significant losses and damages. In such situations, having comprehensive coverage may determine your ability to repair, restore or replace your vehicle.
The insurance experts at Nolan Family Insurance are ready to help you assess your insurance needs and provide you with optimal coverage options. Contact us today to learn more about comprehensive coverage or get a quote.
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