Auto insurance in regions at risk for hurricane water damage?

[noelH]

My previous auto insurance company noted that their premium increase was due to their increasing cost for paying out claims. They have zero exposure as in offering insurance in hurricane and western fire areas. Sounded like B.S. to me. After switching to State Farm and paying only 30% of AmFam new rates if felt like something more than B.S.  Guessing State Farm has auto polices in hurricane and high fire risk regions of the country.

For those living in hurricane areas.  Are your vehicles covered by your policy for  water and wind damage from the storms and rising flood waters?  Or do you need to add a rider?

[Wolverine]

That's a good question. I need to look into that. As for State Farm, they won't insure in my area. (coastal nc)

[Krusen]

Read carefully before you change.

We moved into a gated community, and expected our rates to go down,  No, they went up, we were no longer in a single family home, just an apartment, higher rates.

We shopped GEICO, their rates were much lower, I required a copy of the coverage, and found it less than half what we had.  We stayed with State Farm.

[Norm L.]

I think the auto insurance covered water damage. It didn't differ by cause.
I believe many of you have seen or heard about tow vehicle following a boat down the ramp into the water.

I once had a claim when I drove the car into a puddle during a heavy rain, The dip depth was hidden and the car started floating. Happily, it was only some water seeping into the front footwells causing only replacement of the car seat electric motors.

[noelH]

Sometimes a good rate is not great. Have either had State Farm or AmFam for auto and home over the past half century. Except for a short time with Progressive. Bit of bait and switch. First year or 6 months premium was too good to be true. Next time period was a joke. Switched back to AmFam. And glad I did based on what happened to a coworker.
 
Her car got dinged by hail. The Progressive rep was fast to issue a check for the claim.  Turns out none of the local body shops could repair her vehicle for amount of the check+ her deductible.   Maybe a reason why the claim person was fast to respond and fast to issue a check. The two times in my life I needed to make a claim for body damage I let the shops file the claim.  No dealing with the insurance company. Just wrote out a check for my deductible. Done.

Not a fan of Progressive. Plus their commercials I find annoying. Andy Reid and the State Farm commercials I find entertaining. More so now that Mr Rogers is apparently no longer under contract. Sorry Jets Fans. He was toast the last year he was a Packer. SKOL!