Homeowners insurance carries many benefits that create peace of mind regarding unexpected incidents and accidents. Hitting a neighbor’s mailbox is one such accident. Homeowners insurance is designed to protect you, your home, your belongings, other people’s property, injuries, and other incidents you’re liable for. 

Other People’s Property

Accidentally hitting a neighbor’s mailbox isn’t necessarily common, but it’s good to know that your homeowner’s insurance will probably cover the repairs. A damaged mailbox is considered property damage, which is covered under your homeowners’ insurance policy. However, your insurance company will consider how the damage occurred and whether or not it’s a covered loss under your specific policy. Property damage to neighbors’ mailboxes, garages, or even cars is often covered under a homeowners’ policy, but there are circumstances where the damage might not be covered. If the damage isn’t covered, you may be responsible for paying for the damage out of pocket. 

However, the answer to this question depends on your specific insurance policy and how the situation occurred. Typically, a mailbox is considered an outdoor fixture part of a homeowner’s property. Your insurance agent will consider the terms of your policy and the types of coverage, as well as how the situation occurred. 

If you have questions about homeowners insurance regarding what’s covered, call us. Our team at Saucon Insurance Agency is happy to help Bethlehem, PA residents obtain the coverage they need. One of our licensed agents would be glad to answer questions and discuss coverage options.