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Does home insurance cover driveway damage?
A storm caused a tree to fall across my driveway. I got the tree removed, only to discover the driveway is cracked! Does home insurance cover driveway damage?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
How frustrating! As long as a named peril caused the damage to your driveway, you should have coverage for the repairs.
Homeowners insurance covers more than just the physical structure of your home—it also protects any attached structures on the property, including your driveway.
As long as the damage was caused by a
named perils
—events that cause sudden, unexpected damages—you’ll have coverage. In your case, a tree falling during a storm is likely a named peril. To be sure, refer to your policy or call an insurance agent.Cracks in the driveway caused by age or wear and tear would not be covered.
If you’re hoping to upgrade your homeowners insurance, you should download
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