Does homeowners insurance cover damage to your driveway?

Would our insurance cover damage caused by someone else? A construction truck backed into our driveway and cause damage.

Answer provided by
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Emily Maracle
Answered on Jul 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“In most homeowners policies, a driveway will either be covered under the dwelling or other structures. This is because driveways and walkways normally attach to your home.
However, to confirm, you’ll want to look into your policy specifically. Every policy is different and can have exclusions. You’ll want to check to ensure that a driveway isn’t excluded in your policy.
If your driveway is covered, you’ll need to prove that the construction vehicle is what caused the damage. You’ll also want to reach out to the construction company. They normally carry liability insurance to cover instances like this.
If they admit liability, your insurance will likely work with them to cover the damage. You would also have the option to negotiate with the construction company directly.”
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