Yes — if the damage is caused by a covered peril, like a storm or falling tree, your home insurance may cover repairs, subject to your policy limits and deductible.
Common covered events include storms, fires, hail, and tornadoes. If a tree crashes on your driveway during a storm, you may be eligible for coverage.
Insurance typically won’t cover damage from earthquakes, floods, mudslides, settling, or neglect. These require additional or separate policies.
Always review your policy for state-specific exclusions. Consider endorsements or supplemental policies for broader protection, including flood and earthquake coverage.
Your policy may reimburse actual cash value or replacement cost. Replacement cost pays more — actual cash value deducts for depreciation.
Protect More Than Just Your Home — Get the Right Coverage Today! Contact Jack Stone Insurance Agency to ensure your driveway and property are fully protected. Speak with our agents now for personalized home insurance guidance.