Does Homeowners Insurance Cover Driveway Replacement? 
The standard homeowner policy only responds to unforeseen losses caused by covered perils . Therefore , a policyholder could expect his or her homeowner policy to cover damages caused by covered perils . For example , one of the most common covered causes of damages to a driveway might be ` damage caused by a vehicle ' . Of course , the deductible would be applied in the assessment of the amount of damages . Always think : What is the cause of the loss ? Then : Is it covered under my policy . Your independent insurance agent can help you determine coverage situations . 