What type of damages does comprehensive coverage cover?

Comprehensive coverage is specifically designed to protect against a wide range of risks and threats that are not related to a collision. This type of insurance typically covers damages that arise from events such as theft, fire, vandalism, natural disasters, falling objects, and damage from animals. The essence of comprehensive coverage is its open peril nature; it broadens the protection beyond just collision or overturn incidents.

By focusing on open peril damages that are not covered by collision or overturn, this answer highlights the comprehensive policy's intent to provide coverage for unforeseen and non-collision-related events. This distinction is crucial for understanding the scope of protection provided by comprehensive insurance. As such, it emphasizes that comprehensive coverage can safeguard the insured from a variety of risks, reinforcing its importance in an insurance portfolio.

The other options do not effectively capture the full scope or nature of comprehensive coverage, leading to misunderstandings about what is typically included under such a policy.