Driveway Damage Coverage
Homeowners insurance may cover sudden and accidental damage to your driveway caused by covered perils like storms, fires, or wind damage, subject to your policy's limits and deductible.Driveways as Part of Residence
Driveways are typically covered under the same policy as other attached structures, including decks and patios, making them part of your overall residence protection.Common Exclusions
Damage caused by mudslides, floods, earthquakes, earth movement, or general deterioration is usually excluded from standard policies. Verify your policy for state-specific exclusions.Supplemental Insurance
Additional endorsements or separate policies, like earthquake or flood insurance, can provide coverage for excluded risks like ground movement or natural disasters.Repair vs. Replacement Coverage
Your policy may cover debris removal and either the replacement cost or actual cash value of the damaged driveway, depending on the type of coverage you have.