does car insurance cover flood damage?

Flooding in your car can cause everything from mold issues to engine problems, so knowing whether or not auto insurance covers flood damage is paramount to properly protecting your ride. Read more about damage caused by floods and how your insurance policy could help.

how much damage do floods actually inflict?

According to info from the National Flood Insurance Program (NFIP), floods are the number one natural disaster in the U.S. In fact, all 50 states have witnessed floods or flash floods within the past 5 years.

Just a few inches of water from a flood is enough to cause massive (and expensive) damage to your property. From 2005 to 2014, flood insurance claims of all types amounted to an average of $3.5 billion per year — which is all the more reason to ensure you have the proper financial protection if your car ever needs repairs or replacement due to flood damage.

How water can damage your car

Depending on the severity of the flood, your vehicle can suffer some major damage — from electrical and computer system failure, to air bag and brake malfunction. Even minor flooding can lead to mold, rust, and other corrosion that affect your car's performance and resale value.

Obviously, these issues can pose a big safety threat, so make sure to check your car's claim and repair history if you aren't the original owner. It can help prevent heartbreak (and an empty wallet) down the line.

how auto insurance can help with water damage to your car

Sometimes even the most vigilant storm preparation can fall through, leaving your car's pedals under a puddle, or worse. Luckily, your car insurance policy can step in to help pay for the repair of your vehicle after it's damaged or totaled by a flood — depending on the coverage you choose to carry.

Comprehensive coverage, which is generally optional unless required by a loan or leasing company, can help safeguard your wallet if your ride's hit by disasters like floods, falling objects, and much more.

When you purchase comprehensive for your policy, you'll choose a deductible, which is the out-of-pocket cost you agree to pay before your insurer pays for any damages. Many people opt for a low deductible (or none at all) so that mishaps like flood damage, broken glass, vandalism, and more, don't cost them a pretty penny.

If your car needs to be replaced after a flood, you'll usually be reimbursed for your ride's actual cash value (ACV) after you pay your comprehensive deductible.

It's important to note that if you don't carry comprehensive coverage on your car insurance, you'll likely be responsible for paying for any repairs your car needs due to flood damage. And even if you do carry comprehensive coverage, it's important to notify your insurance company as soon as possible if you think your ride may have suffered some damage from a flood — this can prevent further damage (and even denied claims) down the road.

If you're an Esurance customer, you can add comprehensive to your policy at any time during your term. Just log in for quick policy management at your fingertips, or give us a call at 1-800-ESURANCE (1-800-378-7262).

get a dependable policy from esurance

Even if you don't live in a locale known for flooding, the NFIP reports that between 20 and 25 percent of its claims come from outside high-risk areas. Help safeguard your finances with a reliable car insurance policy from Esurance, with a suite of coverages designed to protect you and discounts that could help you save some cash.

And if you ever need to file a water damage insurance claim for your car, you can rely on us to help guide you through the claims process and get you back on the road as soon as possible. Handy features like RepairView® let you keep an eye on your vehicle's progress if you take it to one of our convenient E-Star® repair shops.

Make sure to check out all the benefits of joining the Esurance family when you get a quick, personalized quote online in just a few minutes.

Does car insurance cover hail damage?
Learn more about how auto insurance could help financially protect you if your ride is hit by hail.

How to protect your car from flood damage
Read more about how to safeguard your car before, during, and after a major storm — including how to file a flood insurance claim.

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