Does Homeowners Insurance Cover Sidewalk Repair? 
Normally not . Home Insurance is n't for maintenance expenses , it is for sudden and accidental occurrences for covered perils . So , if it was damaged in a covered peril -LRB- house fire or collapse would be two that might damage sidewalk -RRB- - then yes , it would be covered , but most of the time , sidewalk repair needs come from ground freeze or slow degradation over time . Those would not be claimable with insurance . If you have bad sidewalk , your insurance might require you to replace it so that there is n't a liability claim later -LRB- slip and falls and trip hazards -RRB- . 