Does Auto Insurance Cover Flood?

Floods can be some of the most destructive natural disasters, leaving behind not only property damage but also financial strain. When it comes to auto insurance, knowing what is and isn’t covered when it comes to flooding can mean the difference between getting a full reimbursement or being left on your own.

So, does auto insurance cover flood damage? In short, the answer is sometimes. It depends on the type of policy you have and the company you’re with. Read on to learn more about what is covered and what’s not when it comes to auto insurance and floods.

What is auto insurance?

Auto insurance is a type of insurance that helps protect you financially if you are involved in a car accident. It can help pay for your medical expenses, repair or replace your damaged vehicle, and cover other costs related to the accident, such as lost wages and legal fees.

What does auto insurance cover?

There are a lot of different types of auto insurance coverage, and flood insurance is just one type of coverage that you might need. If you’re wondering whether or not your auto insurance will cover damage from a flood, the answer is maybe. It all depends on the specific details of your policy.

Most standard auto insurance policies will not cover damage from a flood. However, there are some insurers who offer optional flood insurance coverage for an additional premium. If you live in an area that’s prone to flooding, it’s worth considering this option.

If you have comprehensive coverage as part of your auto insurance policy, then you may be covered for damage from a flood. Comprehensive coverage protects against damage from events other than collision, such as fire, theft, and vandalism. Again, it all depends on the specifics of your policy.

If you’re ever in doubt about what your auto insurance policy covers, the best thing to do is to contact your insurer and ask them directly. They’ll be able to give you the most accurate information about your particular policy.

Does auto insurance cover flood damage?

Yes, auto insurance does cover flood damage. However, it is important to note that not all auto insurance policies cover flood damage. To be sure that your policy covers flood damage, you will need to purchase comprehensive coverage. Comprehensive coverage is an optional add-on to your basic auto insurance policy that covers a wide range of non-collision damages, including flooding.

What to do if your car is flooded

If your car is flooded, it’s important to act quickly to minimize the damage. Here are some steps to take:

1. Move your car to a dry location as soon as possible.

2. If the water is still rising, move your car to higher ground.

3. Disconnect the battery to prevent electrical damage.

4. Remove any valuables from the car so they don’t get ruined by the water.

5. Open the doors and windows to allow the car to air out.

6. If possible, remove the carpeting and upholstery so they can dry out separately.

7. Once the interior is dry, vacuum it thoroughly to remove any residual moisture.


Floods are one of the most destructive natural disasters that can occur. It is important to know what your auto insurance covers in case of such an occurrence. Unfortunately, most auto insurance companies do not provide any coverage for floods, so it would be best to get a separate flood policy if you live in an area at risk for flooding.

Knowing whether or not your auto insurance does or does not cover floods will help you make sure that you and your vehicle are properly protected against this devastating event.