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David Ray offers expert information on topics inside the world of Technology, Money , and Insurance. Many homeowners wonder if their insurance covers driveway replacement. The answer depends on your policy. Some plans cover driveway damage caused by natural disasters, while others don’t. To understand your coverage, read your policy carefully. Insurance Homeowners insurance usually covers damage from specific incidents, such as vandalism or natural disasters. But what if your driveway cracks due to regular wear and tear? Generally, insurance does not cover this type of damage because it’s considered “general deterioration.” Speak with your agent about any special coverage for everyday wear and tear that some insurance companies may offer. To avoid unexpected costs, understand your policy and coverage limits. Examine it carefully, as many policies have exclusions or limits that may prevent you from claiming the entire amount. Be mindful of any fees and costs that may accrue d...