Covered by Homeowners Insurance
Driveways, like other attached structures, are typically covered under homeowners insurance for sudden and accidental damage from covered perils.Examples of Covered Perils
Covered perils include storms, fires, tornadoes, windstorms, and hail. Damage from these events may be repaired or replaced under your policy.Common Exclusions
Insurance usually does not cover damage from mudslides, earth movements, floods, earthquakes, neglect, deterioration, animal damage, or intentional loss.Additional Coverage Options
Endorsements or supplemental insurance can provide coverage for excluded risks. Check with your earthquake and flood insurance companies if driveways are considered covered structures.Include Driveway in Replacement Cost
Ensure your home's replacement cost calculation includes the driveway and potential repaving and grading costs for comprehensive coverage.