Auto Insurance Coverage for Damages by Fire, Theft, and Glass Breakage

Comprehensive car insurance coverage protects against loss from fire, theft, and glass breakage. Most damages outside of collisions are under comprehensive car insurance coverage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 24, 2021

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Here's what you need to know...

  • Comprehensive coverage will protect against loss from fire, theft and glass breakage
  • Keep in mind, your deductible will have to be met before your insurance company will pay for damages
  • Unless your vehicle is financed, comprehensive insurance isn’t required, but it is often a wise coverage to have

Most people know what kind of car insurance coverage they are purchasing for personal injury and collision, but do you know your coverage for other mishaps?

You should always look into your fire, theft, and glass breakage coverage before purchasing your policy. Comprehensive coverage is often the category under which fire, theft, and glass breakage fall.

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Find out exactly how much comprehensive coverage you need or the alternative third-party coverage available to protect your vehicle in case of fire, theft, or glass breakage, by reading the following article.

Comprehensive Car Insurance Coverage


First of all, comprehensive coverage is a type of supplemental auto insurance that covers:

Damage caused by animals could include a deer or moose hitting your car, a raccoon scratching up your vehicle, or even leaving the convertible down and a skunk or stray cat wreaking havoc on your interior.

Damage from wind could include a windstorm that causes a tree to fall on your car while parked in your driveway.

Regardless of the type of damage, in all of these situations the insured is still responsible for paying his or her deductible before the vehicle is repaired or replaced.

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Is it worth having comprehensive insurance?

Comprehensive coverage is not required unless your car is leased or financed through a bank or finance company. If you buy a car outright, it is your decision whether or not to add comprehensive coverage on your vehicle.

You can feel safe purchasing comprehensive coverage with the highest deductible you can afford. Most of these situations do not occur very often.

A good rule of thumb to follow with comprehensive coverage is to insure the amount of your vehicle according to the Kelley Blue Book value or the cost to replace the vehicle.

If you maintain this amount of coverage, you will have enough insurance to replace the totaled or stolen car with a similar one.

You can also look at it this way: your cost for comprehensive coverage should run about 10% of the cost to replace your car at what it is currently worth.

This should be your cost on a yearly car insurance policy.

Third-Party Coverage

Third-party coverage is another type of coverage that insures the driver against theft or fire. Third-party coverage does not cover:

  • The damages when a car is stolen
  • Any of the contents of a vehicle if the contents are stolen
  • Additional mishaps (like comprehensive coverage does).

You should use the same rule when purchasing third-party coverage.

Purchase a plan with the highest deductible you can afford and coverage in the amount it would cost to replace your vehicle with one exactly like it.

You can also use the same calculation of 10% a year for third-party coverage on a car insurance policy. However, third-party does not cover as much; so 10% of what your car is worth is only going to help cover the cost to replace your vehicle.

Purchasing Comprehensive or Third-Party Coverage


When deciding on an insurance company from which to purchase comprehensive or third-party coverage, you should always get more than one quote. When you get more than one quote, you can compare rates, deductibles, and coverages.

You can also compare additional benefits offered by the insurance company. For example, if your car does catch on fire or is stolen, what are you going to drive?

Consider insurance companies that will pay for a rental car while your car is retrieved, repaired, or replaced. Other benefits might include roadside towing or free windshield replacement.

Some insurance companies do not include breakage of the windshield under their comprehensive coverage. Make sure you look into this before buying car insurance. If this is an optional rider to your policy, it is worth buying if your car is less than five years old.

When it comes to cars, you never know when something is going to go wrong. Play it safe and purchase comprehensive coverage on your car insurance policy before it is too late. You can always reduce the coverage as your car ages.

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