Will home insurance cover broken steps and railing?

As a homeowner, I've often wondered if my home insurance would cover broken steps and railings. After some research, I discovered that most standard policies do provide coverage for these types of accidents, as they are considered part of the dwelling's structure. However, coverage can vary depending on the cause of the damage. If the broken steps or railing resulted from normal wear and tear or neglect, then insurance may not cover the repair costs. It's important to check with your insurance provider for specific details regarding your policy and coverage.

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