Flood insurance covers the structure of your home and your personal assets in the event of a flood. In general, heavy and prolonged rains cause this type of flooding. That said, not all car insurance policies will, so it's important to understand how your car insurance might work in the event of a hurricane. Insurance companies may have restrictions on when you can take out insurance if there is a storm warning in effect.
If you live in one of the states with a high incidence of hurricanes, it might be useful to know the specific car insurance coverages available to address hurricane risk. Fortunately, certain types of car insurance policies usually cover damage to vehicles caused by a hurricane due to problems such as floods or damage caused by flying debris. The two types of car insurance that could help repair your vehicle if it's damaged during a hurricane are collision coverage and comprehensive coverage. For example, when a hurricane approaches, some providers may stop issuing new auto insurance policies or modify them completely, while others may allow existing limits to be increased or decreased.
However, most of these requirements apply only to liability insurance and do not establish minimums for coverage that affects your car. If you have comprehensive car insurance, it's likely to cover it if it floods after a hurricane. All insurance products are governed by the terms of the applicable insurance policy, and all related decisions (such as coverage approval, premiums, fees and charges) and policy obligations are the sole responsibility of the insurance insurer.