Driveways provide a pathway for vehicles from the street to your home and serve as a convenient parking spot away from the road. When your driveway develops cracks or other damage, homeowner’s insurance may cover repair costs, minus your deductible. However, certain conditions can make this coverage uncertain. The team at Murvay Insurance explains the details.
Does Homeowner’s Insurance Cover Driveway Damage in Newport Beach?
Coverage depends on the cause of the damage. Homeowner’s insurance typically covers driveway damage caused by perils listed in your policy. Common perils include falling objects, theft, vandalism, fire, lightning, hail, windstorms, power surges, pipe bursts, and the weight of ice, snow, or sleet. If the damage is caused by one of these perils, you may be eligible for compensation. However, it’s important to share specific details with Murvay Insurance and file a claim. The most likely causes of driveway damage include falling objects, vandalism, fire, hail, and heavy ice or snow. Damage caused by anything not listed in your policy will not be covered.
Will Any Insurance Cover Driveway Repairs in Newport Beach, CA?
Coverage depends on the type of damage and the insurance policies you have. Homeowner’s insurance may cover earthquake or sinkhole damage to driveways if you have riders for these events attached to your policy at the time of the claim. Some carriers offer separate earthquake or sinkhole insurance policies, which you must purchase to cover driveway repairs. Flood insurance will cover flood-related driveway damage. Additionally, a "difference in conditions" rider can cover landslide or mudslide damage if it is part of your policy. However, home insurance will not cover damage caused by poor maintenance, wear and tear, vehicles, or actions by someone living in the home.
Speak with one of our agents about your driveway. We’ll compare your situation with your carrier’s policy to determine if you qualify for coverage for driveway damage. Contact us for more information on home insurance.