PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover paving over a washed-out gravel driveway?
Will my home insurance cover the cost of paving the driveway? I live on the coast and am worried about flooding and extreme rainfall washing out my gravel driveway. To prevent future problems and loss, I want to pave my driveway.
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It is great that you are looking into making improvements to your home to prevent future losses!
First, be aware that standard homeowners policies exclude floods, especially as defined as rainwater accumulating at a rapid pace. And a
flood policy
wouldn’t cover a gravel driveway because it is not a structure.Your homeowners policy can provide reimbursement for supplies that are used to prevent further damage to your property at the time of a loss, but it is the nature of a gravel driveway to lose gravel from shifting—so this option would not apply here, either.
The risk of flooding is great in many parts of the U.S. However, damage related to flooding is not covered by regular home insurance policies. For this reason, it’s wise to add on flood insurance, although it will cost extra. Explore your options to find a plan that suits your needs.
If you are considering bundling your home and auto insurance, ask about flood insurance. By bundling, you may be eligible for a multi-line discount on your
home and auto policies
.Have a question about your coverage? Try the
Jerry
app and speak with Jerry’s friendly agents to answer your questions and provide advice on the best coverage options
. As your life changes, your insurance changes, and Jerry
is ready to make those adjustments for you.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies