Are Driveways Covered In Insurance?

Most people don’t think about their driveway until something goes wrong. Then, they might find themselves wondering: are driveways covered in insurance? The answer is: maybe. It depends on your specific insurance policy and what type of damage occurred. In this blog post, we will explore the different types of driveway damage that may or may not be covered by your insurance policy. Read on to learn more about how to protect your driveway and what to do if something goes wrong.

What is typically covered under homeowner’s insurance?

Homeowner’s insurance typically covers the physical structure of your home as well as any personal belongings inside. This can include damage from fires, storms, and burglaries. It may also cover temporary living expenses if your home is uninhabitable due to a covered event.

Does homeowner’s insurance cover driveways?

A lot of people are under the impression that their homeowner’s insurance policy will cover any damages that occur to their driveway. Unfortunately, this is not always the case. Driveways are considered to be part of the home’s foundation, which is typically not covered by homeowner’s insurance policies.

There are a few exceptions to this rule, however. If your driveway is damaged as a result of a covered peril, such as a fire or severe weather event, then your insurer may provide coverage. Additionally, if your driveway is damaged as a result of negligence on the part of your neighbor (such as their tree falling on your driveway), then your homeowner’s insurance policy may cover the damages.

If you’re unsure whether or not your homeowner’s insurance policy covers damage to your driveway, it’s best to contact your insurer directly and ask.

Why or why not?

There are a few factors to consider when determining whether or not your driveway is covered under your insurance policy. First, you’ll need to check with your insurance provider to see if they offer coverage for driveways. Some insurance companies offer this coverage as an add-on to your policy, while others may include it in your standard coverage.

Next, you’ll need to consider the type of damage that could occur to your driveway. If you live in an area that experiences a lot of severe weather, such as heavy rains or snowstorms, then you may want to consider adding coverage for your driveway. This way, if any damage does occur, you’ll be able to file a claim and receive reimbursement for the repairs.

Finally, you’ll need to think about the cost of replacement or repair. Driveways can be expensive to replace or repair, so you’ll want to make sure that the cost of the coverage is worth the potential benefits. When all factors are considered, you should be able to decide whether or not adding driveway coverage to your insurance policy is the right decision for you.

How to file a claim

When it comes to your home’s driveway, you may be wondering if it’s covered under your insurance policy. The answer is maybe. It all depends on the cause of the damage and what type of policy you have.

If your driveway is damaged by a covered peril, such as a fire or severe weather, then your homeowners insurance will likely cover the repair costs. However, if the damage is caused by something excluded from your policy, such as normal wear and tear, you will likely have to pay for repairs out of pocket.

To file a claim for damage to your driveway, start by contacting your insurance agent or company representative. They will help you determine if your policy covers the damages and walk you through the claims process.


In short, whether or not your driveway is covered under insurance depends on the specifics of your policy. However, it’s always a good idea to check with your insurance provider to see what is and isn’t covered under your plan. That way, you can rest assured knowing that you’re prepared for anything that comes your way.