What is typically excluded from comprehensive insurance coverage?

Comprehensive insurance coverage is designed to protect against a wide range of risks to property, such as theft, vandalism, and damage from natural disasters. However, it does not typically cover accidental damage caused by the insured. This means if an insured person accidentally damages their own property, such as inadvertently breaking a window or spilling something on their carpet, comprehensive insurance would not provide coverage for those incidents.

The focus of comprehensive insurance is on external factors rather than actions taken by the insured. This distinction is important for consumers to understand, as it impacts the types of risks that are covered under their policy. Additionally, it is often personal liability insurance or specific endorsements that would cover personal injury or accidents, but not the comprehensive policy itself.