Does Homeowners Insurance Cover Driveways?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    If the driveway is bulging, cracking or just plain going bad for various reasons homeowners insurance does not cover this type of damage. It is possible to have the driveway covered if damage was caused from a major fire which could of lead to the damage of the driveway which would fall under other structure coverage. Consult your agent on the specific details of your potential loss or inquiry as your agent would be familar with the exact details and coverage's of your policy
    Answered on May 1, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    Your homeowner’s insurance policy covers damages that are caused by specific perils. While it is possible that damage to a driveway could be caused by fire or another of the covered perils, I doubt that is the point of this question. Most driveway difficulties arise from earth movement and that is an excluded peril in most policies.
    Answered on August 15, 2014
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