What type of loss is covered by other than collision (comprehensive) insurance?

Comprehensive insurance, often referred to as "other than collision" coverage, is designed to protect against a broad range of non-collision-related perils. This type of coverage is essential for safeguarding a vehicle against various unexpected events.

Vandalism falls under the purview of comprehensive insurance, as it refers to intentional damage done to the vehicle that is not the result of a collision. This protection helps policyholders deal with the costs associated with repairs due to such malicious acts.

Flood damage is another peril included in comprehensive coverage. When a vehicle is damaged by rising water or flooding, this type of insurance would cover the necessary repairs, offering a crucial safety net for drivers in areas susceptible to such natural events.

Fire damage is similarly covered under comprehensive policies. If a vehicle is damaged or destroyed by fire—whether caused by a mechanical issue, arson, or another event—the costs associated with repair or replacement are addressed by this insurance.

Given that comprehensive insurance covers all these scenarios—vandalism, flood, and fire—it is clear why the correct answer encompasses all of the options presented. This coverage is vital for ensuring that vehicle owners are protected from a wide array of risks that could lead to significant financial losses.