Your homeowners’ insurance is designed to protect your biggest investment. Accidents and unexpected events can happen, often leaving you with costly repairs. If your driveway is damaged, such as with cracks in the concrete or broken sections, you may wonder whether your homeowners’ insurance will cover the repairs.

At Town & Country Insurance, our team can help you understand your policy, including what is covered and what limitations may apply. If you are looking for home insurance in Buford, GA, we are here to help you choose coverage that fits your needs.

When Homeowners Insurance May Cover Driveway Damage

In certain situations, homeowners’ insurance may provide coverage for driveway damage caused by a covered peril. Covered perils are typically sudden and accidental events that are out of your control. For example, if a tree limb or other debris falls onto your driveway during a storm and cracks the concrete, your policy may help cover the repair costs.

Another example is damage caused by a vehicle you do not own, and that is not owned by anyone in your household. If a driver accidentally crashes into your driveway and causes damage, your homeowners’ insurance may provide coverage, or the driver’s auto insurance may be responsible. Damage caused by vandalism or explosions may also be covered, depending on your policy.

However, coverage does have limits. Homeowners insurance typically does not cover damage caused by neglect, poor maintenance, soil shifting, ground movement, or normal wear and tear. Small cracks, settling, and deterioration that occur over time are usually considered maintenance issues rather than covered losses.

What to Do If Your Driveway Is Damaged

If you are unsure whether your driveway damage is covered, contact Town & Country Insurance today. We can review your policy and explain your options. If you need home insurance in Buford, GA, we can also provide a quote and explain what to expect if you need to file a claim.

Children can be a wonderful addition to the household, but there are potential drawbacks. Whether they cause accidental injuries or property damage, you may end up having to pay for those mistakes. Or will you? If you have home insurance, it may help cover this type of accidental damage. We’ll take a closer look at the coverage you may already have under your home insurance when children cause damage or injury. The Town & Country Insurance team, serving Buford, GA, is here to help protect you now and in the future.

Will Your Home Insurance Policy Cover the Acts of a Child?

Children can unintentionally cause damage, which can put you in an undesirable position if they cause extensive damage. Thankfully, your home insurance policy may actually save you. With a home insurance policy, you can claim various accidents, such as accidental injuries, damage to your property, or even accidental damage to a neighbor’s property (if they hit a ball that breaks a window, for example). The only scenario in which your home insurance may not cover such incidents is if they can prove that your child did something intentionally. Intentionally damaging property or injuring someone else will not be covered. In any case, take care to remind them how to navigate your property safely, which areas to avoid, and how to minimize accidents when they’re at home or visiting others.

Get Home Insurance Coverage with Town & Country Insurance

Are you ready to start shopping for home insurance? Town & Country Insurance, serving Buford, GA, is your partner in insurance shopping. Getting started on your home insurance journey is as easy as contacting us! We’ll comparison shop the insurance companies to help you find the best coverage for your needs.