Comprehensive Insurance
Comprehensive insurance, as the name suggests, is all-inclusive covering pretty much everything that can happen to your vehicle, other than an accident.
Comprehensive pays to repair/replace damage for things such as flood or fire damage, theft, vandalism, and animal collisions. Drivers typically combine comprehensive insurance with collision coverage and thus have a fuller protective umbrella.
No one is legally required to obtain comprehensive insurance but if you drive a new/mint condition vehicle or leased/financed vehicle, then it is definitely a wise investment. While a state won't require it, sometimes your bank or lien holder will. Nevertheless, when trying to decide, it is best weigh the actual value of your vehicle versus how much it's going to cost to insure.
