Driveways, like other attached structures such as pools or decks, are generally considered part of your home. In most cases, homeowners insurance covers sudden and accidental damage to your driveway, as long as the cause falls under a covered peril. For example, if a tree falls on your driveway during a storm, your insurance may cover the repair or replacement costs. Other events like fires, windstorms, or hail may also be covered.
Exclusions to Driveway Coverage
However, some situations are excluded from standard homeowners insurance policies. Common exclusions include:
Mudslides or mudflowEarth movements (settling, bulging, etc.)Floods and earthquakesNeglect or deteriorationDamage caused by animals like birds or rodents
You may need supplemental insurance or endorsements to cover risks like earthquakes or floods.
Driveway Repair and Replacement
If your driveway is damaged due to a covered peril, your insurance provider will cover the repair or replacement, often including debris removal. Be sure to check if your policy covers the full replacement cost or the actual cash value, which factors in depreciation and may pay less than the cost to replace.
Get Coverage with Jack Stone Insurance Agency
To ensure your home, including your driveway, is properly covered, contact Jack Stone Insurance Agency. Our agents will help you understand your coverage options and tailor a plan to meet your needs.
YOU ARE READING
How Does Driveway Damage Coverage Work?
General FictionDriveways, like other attached structures such as pools or decks, are generally considered part of your home. In most cases, homeowners insurance covers sudden and accidental damage to your driveway, as long as the cause falls under a covered peril...
