Does my auto insurance cover damage caused by a landslide or mudslide?

Regular homeowners insurance policies do not cover damage to the home or a parked vehicle from a landslide or mudslide. To cover a home, you need separate insurance policies for each type of disaster, including floods, earthquakes, landslides, mudslides, and mudflows.

In addition, you must add comprehensive vehicle insurance to cover all these risks.

Suppose you live in an area subject to flooding, water surge, and heavy rains. A landslide or mudslide could total your vehicle, so it is better to have affordable comprehensive auto insurance coverage.

Does auto insurance cover damage caused by a landslide or mudslide? Having comprehensive auto insurance could be helpful.

Auto Insurance Coverage for Landslides and Mudslides

Comprehensive auto insurance is optional. However, seven out of 10 people add comprehensive auto insurance coverage to their auto policies.

Depending on your policy terms and conditions, comprehensive auto insurance may cover losses resulting from these catastrophic events:

• landslides, falling object
• earthquakes
• mudslide or mudflow
• rainstorms, storm surges, and floods
• hailstorms
• fire
• theft
• vandalism
• damage by animals
• other natural disasters

Read more:

Does my auto insurance cover damage caused by a hailstorm or heavy rain?

Does my auto insurance cover damage caused by a lightning strike?

When you understand the different types of auto insurance coverage and the benefits of having comprehensive coverage, you will probably want to have it.

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Comprehensive Insurance Coverage and Landslides

In this scenario, your vehicle will likely be totaled. If that is so, the coverage will be the cash value of your car, less the auto insurance deductible you pay out-of-pocket, up to the policy limit of comprehensive insurance coverage.

Comprehensive insurance coverage usually also covers damage to a vehicle caused by a sinkhole if it falls in.

Read more: Does auto insurance cover damage caused by a sinkhole?

Comprehensive auto insurance will not usually cover the value of any personal belongings left in a car if they are lost or damaged by a landslide. Usually, comprehensive auto insurance only covers features that are permanent parts of the vehicle, such as the stereo system.

There will not be coverage under comprehensive auto insurance for a child’s seat, wallet, purse, personal computer, or telephone if they get damaged or lost in a landslide. However, a homeowner or renter insurance policy may cover these items.

Comprehensive Coverage Does Not Pay Medical Expenses

When considering how much auto insurance coverage you need, you will likely want comprehensive coverage for the vehicle. However, be sure you understand that medical expenses for any person injured in the event will not be covered by comprehensive insurance.

For coverage of medical costs, you may need additional optional coverage such as personal injury protection (PIP) or MedPay.

Auto Insurance for Damage Caused by a Landslide or Mudslide: The Bottom Line

Comprehensive insurance offers significant coverage for many perils that could damage your vehicle. This insurance protection is very popular because it protects against adverse events.

If the expense is a concern, consider having the comprehensive with a higher deductible. Of course, if something terrible happens, you will have to pay the higher amount out-of-pocket. Still, if the damage is significant, you will appreciate having coverage for the excess amount.