> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Comprehensive coverage

> What comprehensive coverage on an auto policy pays for, including hail, theft, fire, and animal strikes, and why lenders usually require it on loans.

**Comprehensive coverage** pays for vehicle damage from events other than collisions: hail, theft, flooding, fire, deer strikes, falling objects, and similar perils (subject to policy terms).

In hail- and deer-prone Midwest states, comprehensive is especially important. Lenders usually require it while you have a loan.

## Related terms

* [Collision coverage](/learn/collision-coverage)
* [Full coverage](/learn/full-coverage)
* [Deductible](/learn/deductible)

## Further reading

* [FTC — Auto insurance basics](https://consumer.ftc.gov/articles/auto-insurance-what-you-need-know)

These are independent consumer-education sources. Coverage details vary by state and carrier.

## Get a quote

Ready for coverage? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=comprehensive-coverage)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=comprehensive-coverage)


## Related topics

- [Collision coverage](/learn/collision-coverage.md)
- [Full coverage](/learn/full-coverage.md)