Understanding Home Insurance: Does it Protect Against Cracked Walls?

Home insurance is a crucial aspect of homeownership, providing financial protection against various perils such as fire, theft, and certain types of damage. However, many homeowners are often left wondering about the extent of their coverage, particularly when it comes to structural issues like cracked walls. Understanding the specifics of your home insurance policy can help you determine whether or not it covers cracked walls, and under what circumstances.

What is Home Insurance?

Home insurance, also known as homeowners insurance, is a type of property insurance that covers losses and damages to an individual’s house and assets in the home. It typically provides coverage for interior and exterior damage, loss of personal belongings, and injury that arises while on the property.

Does Home Insurance Cover Cracked Walls?

The answer to this question largely depends on the cause of the cracked walls. Home insurance policies generally cover damage that is sudden and accidental. They do not cover damage due to wear and tear or lack of maintenance. Therefore, if your walls are cracking due to age or neglect, it’s unlikely that your insurance will cover the repairs.

When Does Home Insurance Cover Cracked Walls?

There are several scenarios where home insurance might cover cracked walls:

  • If the cracks are caused by a covered peril such as a fire, explosion, or a vehicle crashing into your home, your insurance policy will likely cover the cost of repairs.

  • Damage from certain types of water damage—such as a burst pipe—may also be covered.

  • If the cracked walls are the result of vandalism or theft, your home insurance policy may cover the damage.

When Does Home Insurance Not Cover Cracked Walls?

There are also several scenarios where home insurance might not cover cracked walls:

  • Damage due to normal wear and tear or aging is typically not covered.

  • If the cracks are due to foundation settling or earth movement, these are generally not covered unless you have purchased additional coverage.

  • Damage from floods or earthquakes is usually not covered unless you have specific flood or earthquake insurance.


Understanding your home insurance policy is key to knowing what is and isn’t covered. If you’re unsure about your coverage, it’s always a good idea to speak with your insurance agent or company. They can provide clarity on your policy specifics and guide you on any additional coverage you may need to fully protect your home.