Which type of coverage would best protect against non-collision-related incidents like theft or natural disasters?

Comprehensive coverage is designed to protect against a wide array of risks unrelated to collisions, making it the best choice for safeguarding against incidents such as theft, vandalism, fire, or natural disasters like floods and hurricanes. This type of coverage helps to cover the financial losses associated with these non-collision-related events, providing peace of mind to policyholders who may face unexpected damages to their vehicles or personal property.

In contrast, liability coverage focuses primarily on protecting against claims made by others for damages or injuries you may cause, and does not cover damage to your own property. Collision coverage specifically addresses damages resulting from accidents involving your vehicle and another vehicle or object but does not extend to theft or natural disasters. Bodily injury liability coverage is solely concerned with medical costs and related expenses for injuries sustained by other parties in an accident for which you are at fault. Thus, comprehensive coverage is clearly the most fitting option for the protection against non-collision incidents mentioned in the question.