In terms of your car insurance, damage caused by hail should be covered under a policy that includes Comprehensive or All Perils coverage. Comprehensive coverage protects your car from damage that’s caused from things like falling objects, fire, theft, vandalism, getting struck by lightning, earthquakes, and windstorms (which often go hand-in-hand with hailstorms… lucky us). It’s the part of your auto insurance that covers damage from everything that’s not a collision (that’s covered under Collision coverage). All Perils includes everything that’s under Comprehensive and Collision, plus a little extra: if your car gets stolen by an employee, someone working at the repair shop, or even by someone living in your home.

Comprehensive and All Perils coverage can be easily added onto your auto insurance policy, if they’re not already included. If you’re unsure of what coverages your policy includes, you can talk to your insurance provider and top up your coverage if needed. We recommend making sure you have protection against hail, especially if you live in the Prairies, where hailstorms are a little more frequent than the rest of Canada.