What is Comprehensive Physical Damage Coverage? - Insurance Navy. Comprehensive physical damage coverage, or comprehensive coverage, is a type of insurance policy that provides protection against damages to your vehicle not caused by a collision. Comprehensive coverage is usually an optional insurance policy provided by the insurance company; however, it can be required if the vehicle is a lease or in a financial agreement. A comprehensive insurance claim covers a variety of different physical damages such as a broken windshield or windshield wipers, falling objects (like tree limbs), fire, auto theft, vandalism, natural disasters (like hurricanes or damage from hailstorms), explosions, or encounters with wildlife, commonly deer.
It also covers civil disturbances such as riots. It is important to note that comprehensive insurance comes with a deductible you must pay out of pocket before your insurance policy covers the rest.