This grab bag of coverages can protect you and your vehicle from theft, fire and forces of nature. Thinkstock By the editors of Kiplinger's Personal Finance Updated January 2015 A combination of liability, collision, medical payments and uninsured/underinsured motorist insurance would seem to take care of all conceivable risks. Yet none of that insurance would necessarily cover losses to your vehicle from these hazards: theft of the car or some of its contents, collision with an animal, glass breakage, falling objects, fire, explosion, earthquake, windstorm, hail, water, flood, malicious mischief, vandalism or riots.See Also: Smart Shopper's Guide to Auto Insurance Comprehensive insurance, which is optional, will cover those losses, usually up to the car's cash value and sometimes subject to a deductible. In some areas, if you keep your car in a garage or off-street parking area or if the car has a good anti-theft device — for instance, one that prevents the car from being started — you can get a reduction in your comprehensive-coverage premium. Comprehensive coverage also entitles you to some compensation for renting a car if yours is stolen. Check your policy to see how much the policy would pay per day and for how long; different companies pay different amounts, subject to state requirements.