Does car insurance cover water leaks?
Auto insurance covers water leaks from floods or other storms under comprehensive coverage. Keep in mind that car insurance is unlikely to pay to replace your personal belongings in the car, and that you'll probably have to pay a deductible on any claim.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Feb 19, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Comprehensive auto insurance may cover water leak damage to your car, minus the deductible of your policy
- Your insurance policy may cover leaks from flooding, heavy rain, and hail damage
- Auto insurance isn’t likely to cover damage from leaving the windows open or other preventable incidents
Accidents happen, such as tree branches falling on windows, cracking them, and exposing the car to rain damage. Does insurance cover water leaks in your car? What if you accidentally leave the windows open and a storm comes? Read on to gain more insight into when auto insurance helps with water leaks.
Will car insurance pay for water leaks caused by a flood?
As noted in our comprehensive auto insurance guide, comprehensive coverage is not a required form of vehicle coverage. If you have this coverage, it may help cover damage from accidents other than those from a collision, and that may include water damage from a flood. If a storm or related floodwater comes through the area and water seeps into your car from the underside, your coverage may pay for the repairs or replacement of the vehicle.
If you do not have comprehensive auto insurance, the policy isn’t likely to pay for flood damage.
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Will your insurance company cover water leaks from storms?
Falling tree branches, large hail, and blowing structures that strike your vehicle can shatter glass, causing the interior of the vehicle to suffer significant water damage. If you have a comprehensive insurance policy, water leaks like this may be covered. That may include damage to the seats, floor, electronics, and other components.
If you leave the windows open on your vehicle during a storm, even if you simply forgot to close them as you were rushing through the day, your comprehensive auto insurance is not likely to cover that damage. That may fall under maintenance and routine care of the vehicle. In this case, you may have to pay out of pocket for any repairs you need.
Read more: Can I purchase additional car insurance during a storm?
Will car insurance cover an engine damaged by flooding?
In some situations, a storm can cause flash flooding, which might result in a car being submerged. When this happens, the engine and many other components can become waterlogged. Most times, the insurance company will determine if it is possible to repair the car’s engine before paying for a bad motor claim. If not, they may declare the car a total loss. That means your comprehensive auto insurance may cover the cost to repair the vehicle or replace it, depending on the coverage you have.
Will insurance policy for damage to a car’s equipment after a flood?
Your auto insurance policy may cover the replacement of some items in your vehicle but typically will not pay for anything you add to the car. This includes items such as:
- Added navigation systems such as GPS systems
- Charging cords, cables, and systems
- Video gaming systems
- Laptops
- Removable sound equipment and speakers
It’s a good idea to check with your insurance company about any items you routinely leave in your vehicle to find out if you have coverage on them. Also, let your insurer know about any upgrades or significant permanent changes you make to the vehicle before an incident like this occurs.
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Are water leaks covered by regular car insurance?
Comprehensive auto insurance may cover water leak damage. However, these incidents are not covered under general liability insurance or collision insurance.
Is there a deductible for water damage on an auto insurance policy?
Most auto insurance policies have a deductible that you have to pay out of pocket. That means if you have $2,500 in water damage to your vehicle after a storm and you have a $500 deductible, the insurance company will pay $2,000, and you are responsible for the remaining $500.
It’s also important to know that there may be a limit on your comprehensive insurance coverage and a maximum amount a car insurance policy will pay. If your vehicle is totaled by the insurer, the policy helps to pay for the replacement of your car up to the maximum allowed based on its actual cash value.
Case Studies: Does Car Insurance Cover Water Leaks?
Case Study 1: Water Leaks Caused by a Flood
Mary’s car was parked in an area prone to flooding when a heavy storm hit. As a result, water seeped into her vehicle from the underside, causing significant damage. Mary had comprehensive coverage in her auto insurance policy, which helped cover the repairs and replacement of her car.
Case Study 2: Water Leaks from Storm Damage
John’s car was parked under a tree during a severe storm. A large branch fell and shattered the windshield, leading to water damage inside the vehicle. Fortunately, John had comprehensive insurance, which covered the water leaks and damage to the interior components.
Case Study 3: Engine Damage Due to Flooding
During a flash flood, Sarah’s car was partially submerged, resulting in severe damage to the engine. Sarah had comprehensive auto insurance that covered the cost of repairing or replacing the engine, depending on its repairability.
Case Study 4: Equipment Damage after a Flood
After a flood, David discovered that several items in his car, such as his sound system and aftermarket upgrades, were damaged. While his auto insurance policy covered the replacement of some items, it didn’t cover the aftermarket upgrades he had installed.
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Final Thoughts on Auto Insurance Covering Water Damage
Don’t wait to file a claim if you have water damage. Reach out to your insurance company as soon as possible to find out if you have coverage and, if so, how much help you qualify for under the restrictions of your policy.
Frequently Asked Questions
Does car insurance cover water leaks?
Comprehensive coverage in auto insurance may cover water leaks caused by floods or storms. However, personal belongings in the car are generally not covered, and you may have to pay a deductible on the claim.
Will car insurance pay for water leaks caused by a flood?
If you have comprehensive coverage, your car insurance may help cover water damage caused by a flood. However, without comprehensive coverage, the policy is unlikely to cover flood damage.
Will your insurance company cover water leaks from storms?
Comprehensive insurance may cover water leaks caused by falling tree branches, large hail, or blowing structures that damage your vehicle’s glass and cause water damage to the interior. However, leaving windows open during a storm is generally not covered.
Will car insurance cover an engine damaged by flooding?
If your car’s engine is damaged due to flooding, comprehensive auto insurance may cover the cost of repairs or replacement depending on your coverage. The insurance company will assess if the engine is repairable before determining coverage.
Will insurance policy cover damage to a car’s equipment after a flood?
Auto insurance policies may cover the replacement of certain items in your vehicle damaged by a flood. However, items you add to the car, such as aftermarket upgrades, are typically not covered. It’s advisable to check with your insurance company for specific coverage details.
Are water leaks covered by regular car insurance?
Water leaks caused by storms or floods are generally covered by comprehensive auto insurance. However, liability insurance or collision insurance typically do not cover water leak damage.
Is there a deductible for water damage on an auto insurance policy?
Most auto insurance policies have a deductible that you are responsible for paying out of pocket. The deductible amount will be subtracted from the total cost of water damage repairs or replacement.
What should I do if I have water damage to my car?
If you have water damage, it’s important to contact your insurance company as soon as possible to determine if you have coverage and understand the extent of the help you qualify for under your policy’s restrictions.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.