Property insurance can provide coverage for various things in Carlsbad, CA. Your policy can help you make expensive repairs after a covered event. It’s crucial to know what’s covered before something happens.
Covered Areas
Most policies extend to your yard and driveway. However, some only cover the driveway under "other structures" policy coverage. This coverage also applies to detached structures, such as a shed or detached garage. Speak with an agent at Alta Vista Insurance Agency to determine whether your driveway is covered with your standard policy.
Covered Perils
Property insurance only covers damage caused by covered perils. Most policies cover specific natural disasters, fires, wind damage, and other related events. It’s important to read the fine print on your policy to learn what damages will be covered.
Policy Exclusions
Many policies also exclude several things. Certain natural disasters, such as floods and earthquakes, are commonly excluded. Your policy won’t cover normal wear and tear. Nor will it cover damage that isn’t due to a covered peril. For example, if you accidentally drop something heavy on your asphalt and it cracks, it’s your responsibility to fix it.
Paved Driveways
Many policies specify what type of driveways are covered. Some only cover paved driveways because those made from earth or gravel need constant maintenance and are more susceptible to damage. Others will cover damage to any driveway from a covered peril, but your deductible may be more expensive than a bucket of gravel.
Several details can help determine whether your driveway is covered. An agent at Alta Vista Insurance Agency can help you learn more about your coverage. Contact us. We’re currently serving the Carlsbad, CA, area.
