Does auto insurance cover water leaks?

Comprehensive auto insurance covers water leaks, but only if they're caused by an extreme weather event. Auto insurance doesn't cover sunroof leaks, a common cause of water leaks in cars, caused by a malfunction. Comprehensive insurance will pay for the kinds of leak damage that are covered for only $13/mo. on average.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 11, 2022

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What You Should Know

  • Comprehensive auto insurance will cover repairs due to water leaks from extreme weather events.
  • If your sunroof leaks all on its own, you’re also on your own.
  • On average, comprehensive coverage costs $160/year.

You get in your vehicle after returning home from a long business trip. Your floor mats are soaking wet, and the inside of your car smells like a wet dog. You knew there had been some rain while you were away, but your sunroof has never failed you before. On your way to work, you start to wonder: does auto insurance cover water leaks?

Yes, but only if the water damage is related to an extreme weather event, and even then only if you also have comprehensive coverage. Read on for help with understanding auto insurance and how it covers water leaks.

Before you learn how car insurance covers water leaks, see how cheap comprehensive insurance can be. Enter your ZIP code in the table to get quotes for low-cost insurance from the best insurance companies right away.

What is comprehensive coverage and when does it cover water leaks?

In this section, we’ll talk about some of the different kinds of auto insurance, as well as how auto insurance works.

Most U.S. states require that you have a minimum level of auto insurance coverage in place before you can drive legally. These minimums usually involve varying levels of bodily injury, property damage, or collision coverage.  In the event of a collision with another vehicle, both drivers should have some insurance that will help to pay for any injuries or damages to the people or vehicles involved.

As for comprehensive coverage, here’s a video from Allstate with a brief explanation.

Although comprehensive insurance is optional, it can come in handy for those times when you least expect something to happen that’s completely out of your control. For example, you will need comprehensive coverage if you have water damage related to hail or other damage from extreme weather events including flash floods and lightning strikes. Comprehensive auto insurance will cover water leaks if they’re related to any of these events.

If you live in an area prone to extreme weather events such as these, you should consider additional coverage for potential water damage in the form of comprehensive insurance.

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Water Leak Damage To Your Car

The most common cause of water leaks in cars is the sunroof. Even if the entire apparatus is functioning properly, sunroof drainage tubes can become clogged and overflow, rubber seals can fail, or you might just forget to close it before heading in for the evening. These kinds of leak damage are not covered by insurance, comprehensive or otherwise.

The kinds of leak damage that are covered by insurance include those related to extreme weather events such as flash floods or hurricanes.

If you are considering adding comprehensive coverage, this table will give you a general idea of the average annual rates across the U.S.

Average Annual U.S. Comprehensive Auto Insurance Rates by State
StatesAverage Annual
Comprehensive Insurance Rates
New Hampshire$103.03
New Jersey$123.18
Rhode Island$122.17
North Carolina$123.00
New York$156.66
New Mexico$166.89
South Carolina$165.38
West Virginia$195.04
North Dakota$227.64
District of Columbia$230.25
South Dakota$228.59
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Comprehensive coverage is designed to help pay for damages related to events that are out of your control and unrelated to any sort of collision with another vehicle.

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Filing a Claim for Water Damage

Filing a claim for water leak damage is like filing any other auto insurance claim. You’ll need to describe, and likely document, the circumstances that led to the damage you need to repair. When filing a claim, you’ll need to supply this information to your insurance company, who can also help you with anything else you need to do to file an auto insurance claim.

As with any insurance claim, you’ll have to pay your deductible before your insurance will kick in. Many people, in order to keep their insurance costs down, will choose a higher deductible. If you’re one of these people, you’ll want to weigh the estimated cost of the repairs to your water damage against your deductible.

For example, if your deductible is $1,000 and the repairs are $800, you will end up paying for the whole thing yourself anyway. However, if your deductible is $2,500, and your car is completely wrecked, it will be well worth filing a claim.

Filing a leak damage claim won’t make your rate go up under your comprehensive policy. The events leading to your leak were out of your control, and therefore can’t be used against you in the future. However, filing too many claims can lead to a rate increase.

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Frequently Asked Questions: Does auto insurance cover water leaks?

Here are the answers to some of the most frequently asked questions about auto insurance and water leaks.

#1 – Will basic coverage pay for water leak damage?

No. Basic coverage will pay for damages or injuries related to a collision with another vehicle.

#2 – Will insurance cover water damage if my sunroof leaks?

No. If your sunroof leaks, you’re on your own. Learn all you can about the particular kind of sunroof you have, and ensure that you maintain any seals and keep the drainage system clear of blockages.

#3 – How can I tell if my policy covers leak damage?

Ask your insurance company. They’ll be able to explain exactly what is covered in your policy, and even help you with evaluating your policy in the event you have any concerns about whether or not your coverage is adequate. They could even help you with determining how high your comprehensive deductible should be, given your personal circumstances and preferences.

Looking for car insurance for water leaks? Enter your ZIP code below to get fast quotes for full coverage insurance to protect you from water damage.

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