All Perils vs. Specified Perils

All Perils and Specified Perils are extended optional coverages.

What Does All Perils Coverage Protect?

All Perils coverage provides a thorough package of protection. It combines:

  • Collision or Upset coverage, which covers damage to your vehicle. 
  • Comprehensive coverage, including all insured damage caused to your vehicle (except collision or upset). 
  • Plus additional coverage, which includes fire, theft, damage from animal, lightning, flooding, etc.

There are many ways you can enhance your standard car insurance policy for more coverage. For example, if you want to add Collision or Upset and Comprehensive coverage to your policy, you may want to look at All Perils coverage. It might be your best option.

What is Specified Perils Coverage?

Specified Perils coverage protects against specific events (perils) that are outlined in your policy. This typically includes damage caused by things like fire, hail, lightning, and theft. It doesn’t cover vandalism, falling objects, or animal damage. If you decide to add on Specified Perils coverage over All Perils coverage make sure to read through your policy with your insurance broker so you know exactly what kind of damage will and will not be covered. 

For example, your policy may name specific perils, such as:

  • Windstorm
  • Rising water
  • Earthquake
  • Explosion
  • Riot or civil disturbance

Why Choose All Perils or Specified Perils Coverage?

This coverage may be optional (unless you lease or finance your vehicle), but driving without physical damage coverage is risky.

All Perils gives you the comfort in knowing you’re protected from just about any kind of damage to your car. While it is hard to think of an exception, it’s always a good idea to ask your broker about what is and isn’t covered under your policy

Your Policy Confirms Your Insurance Coverage

Loss or damage coverages are subject to limits, deductibles, and exclusions that apply in all circumstances.


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