Does my homeowners policy cover the stairs on my deck?

Will my home insurance cover outdoor stairs? I just noticed that a stair tread on my deck stairs is broken. I am not sure how or why this happened and I don't remember it looking broken before. Since the deck is attached to my sliding back door, these stairs are the only way in and out of the backyard.

Answer
“Whether the stairs are inside or outside your house, they are eligible to be protected by your homeowner’s insurance policy since they are on your property.
In this case, since the stairs are attached to your home, they may be covered under the dwelling portion of your policy.
Once you put the claim in with your carrier, an adjuster will come and take a look at your stairs. If the damage is due to wear and tear, the claim will not be covered. If the damage is seen as sudden collapse or tearing apart or the adjuster can find a covered proximate cause, your claim may be covered.
Broken or damaged stairs are a significant safety issue. You want to have them repaired right away to avoid any potential liabilities if someone were to get hurt from using them.
If your current policy doesn’t fit your needs or your budget, consider using the free Jerry tool to help you find the best coverage for the lowest price.”
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Shannon Martin
Answered on Jul 26, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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