Does Homeowners Insurance Cover Driveways?

Homeowners insurance policies often raise questions about coverage for structures like driveways. Generally, homeowners insurance can cover sudden and accidental damage to a driveway. The extent of this protection depends on specific policy terms and the cause of the damage. Policies are designed to address unexpected events, not routine upkeep or gradual deterioration.

How Driveways Are Covered

A driveway’s coverage typically falls into one of two main categories. If the driveway is attached to the main house or an attached garage, it is usually covered under Dwelling coverage (Coverage A). This part of the policy protects the primary structure and any attached components.

Alternatively, if the driveway leads to a detached structure, such as a standalone garage or shed, it is generally covered under Other Structures coverage (Coverage B). This coverage applies to structures separated from the main dwelling. The limit for Other Structures coverage is commonly 10% of the Dwelling coverage limit. For instance, if the main dwelling is insured for $300,000, the other structures coverage might be $30,000.

What Types of Damage Are Covered

Homeowners insurance policies typically cover driveway damage from sudden and accidental events. These policies usually include coverage for damage caused by fire, lightning strikes, windstorms, and hail.

Vandalism is another peril generally included in standard coverage. Falling objects, such as trees or large branches, can cause significant damage to driveways and are typically covered if the fall is due to a covered event like a storm. However, if a tree falls due to neglect, coverage may be denied. Damage from vehicles not owned by the insured or a resident of the household is also often covered.

What Types of Damage Are Not Covered

While homeowners insurance provides protection against many hazards, certain types of driveway damage are generally excluded. Routine wear and tear, along with gradual deterioration over time, are not covered, as these are considered maintenance issues. Damage resulting from settling, cracking due to natural ground movement, or poor maintenance also typically falls under these exclusions. Neglect, such as failing to address small cracks or issues promptly, can also lead to denied claims.

Damage caused by insects, rodents, or other animals is usually not covered by a standard policy. Furthermore, if the damage is caused by the insured’s own vehicle, it is typically not covered by homeowners insurance. Major natural disasters like floods and earthquakes are broadly excluded from standard homeowners insurance policies. Coverage for these perils usually requires purchasing separate, specialized policies.

Filing a Driveway Damage Claim

When a driveway sustains damage, the first step is to assess the extent of the damage. It is important to thoroughly document the damage using photos and videos from multiple angles. This visual evidence provides crucial support for an insurance claim.

After documenting, review your specific insurance policy to understand your coverage, deductible amount, and limits. Promptly contact your insurance provider to report the damage, providing all requested information and documentation. An insurance adjuster will typically be assigned to inspect the damage and evaluate the claim. Understanding your deductible is a key part of resolving the claim.