Comprehensive auto insurance isn't mandatory although it's advised for every car particularly those that are under 10 years of age, or having a price greater than $3,000. Despite being costly, comprehensive insurance can protect your vehicle from many unforeseen events like floods, heavy rains or theft as well as others that are not predicted. Comprehensive insurance will cater for the entire repair cost or provide you for the cost of the value of your vehicle in case it's declared to be a total loss by price adjusters. 9. Add-ons for Insurance In order to ensure that you're fully secured from flood damages, there are various insurance options you could consider adding to your auto insurance policy. This gives your car an additional level of protection against flood damage. One add-on to consider is zero depreciation. Since insurance companies determine depreciation prior to settling claims, all insurance policies will not cover the full amount of the property that has been damaged. Your insurance company will pay your entire claim, even if you're covered by zero depreciation insurance. A different option to consider to add on top of the auto insurance you have is the engine protector and electronic circuit cover. Water can severely damage the engine. The engine protector as well as the electronic circuit cover can protect any damage to your engine. In regions that receive heavy rains or flooding throughout the year such a protection is crucial. It is also better to be equipped with quick roadside assistance as an additional protection. This is because flooding can result in damage to your car as well as make it unsafe for you to use roads. This policy covers towing as well as on-road repairs. These additional protections protect the risk of additional damages and costs. This article will provide you with information that is useful. .