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Does home insurance cover cracked walls?
I’ve lived in my house for about ten years now. I’ve been noticing more cracks appearing in the walls. I want to have them repaired, but will my home insurance cover cracked walls?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about the cracks! While many homes experience this as they age, it is unlikely that home insurance will cover cracked walls.
Typically, home insurance will only cover cracked walls if one of the
16 perils
listed in your policy caused the damage. These perils are limited to unexpected and unavoidable occurrences such as fires, severe weather, and other similar circumstances. Home insurance doesn’t cover general wear and tear or damage due to age or neglect.To see if your home insurance policy will cover the cracked walls, you should have the cracks inspected by a professional who can diagnose the cause. Once you know what’s causing the cracks, you should contact your insurance company to explain the situation and see if you have coverage.
If you want to make the cost of repairs a bit more manageable, you should use
Jerry
to save on your home and car insurance
.It’s this simple: download the Jerry app or go to getjerry.com. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Choose from competitive quotes from top insurance companies, and Jerry takes care of the rest—securing your new policy and helping you cancel your old one.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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