Does Homeowners Insurance Cover Retaining Walls? 
It is unlikely . It is always best to talk to your Insurance Professional about the specific terms and conditions of your particular policy of course . The policy does cover `` other structures '' on your property such as sheds , fences etc. retaining wall by it 's nature is build into the earth , however so the greatest potentai hazard that might cause damage to it is earth movement which is excluded in your policy . This is much the same situation with a patio or your driveway as each of those are also build directly into the earth . Now , that having been said , should any of these be damaged as a result of a negligent act of someone else , like a contractor whom you may have on your property working for you , there may be coverage under their commercial liability policy . 