Financing, insurance and smart savings
How to spread out the cost of a driveway, patio or slab. What insurance pays for and what it won't. Where to save without cutting corners.
Spread the cost
A typical Georgetown driveway, patio or shop slab costs $4,000 to $15,000. Plenty of owners pay over time.
Our lender is a national home-improvement company. You apply from your phone. A soft credit check pre-qualifies you. Terms go from a 12-month same-as-cash offer to a 10-year fixed loan. We get paid once the work is finished and you sign off.
Have a HELOC? It's usually the cheaper route.
What insurance covers
Less than people hope. Nearly every Texas homeowners policy excludes soil movement, settlement and cracking. To an insurer, a heaved driveway is upkeep.
Events are different. A car hits the driveway. A tree falls on it. A plumbing leak under a slab damages it. A storm does. Those can be covered. If yours started with an event, we photograph it and document it for the claim.
Five ways to pay less
- Bundle the work. Driveway plus patio at once cuts 8–12 percent.
- Resurface when the slab is sound and just ugly. Don't replace it.
- Lift, don't replace, a sunk driveway that's still in large, sound pieces.
- Use broom finish where nobody looks. Spend on stamped for the patio.
- Keep the base on the clay side. It decides whether you buy this driveway once or twice.
Lines we won't cross
No full payment up front. No cash-only deals. No skipping the approach permit to save you a fee. No pouring on raked clay to win on price.
Payment questions
Which lender, and what terms?
A third-party home-improvement lender. Pre-qualifying is a soft pull. Terms run from a 12-month same-as-cash promotion up to a 10-year fixed loan. Approval takes minutes. The lender pays at completion.
Smallest job you'll finance?
Roughly $2,000. Think a driveway, patio, pool deck or shop slab.
Will my homeowners policy pay for a cracked driveway?
Rarely. Texas policies exclude settlement and soil movement. Damage from a covered event, like a car or a fallen tree, may qualify. If you file, we document the damage.
Can I pay by card?
Yes. The deposit carries no surcharge. Large balances carry a small processing fee, shown on the quote.
Any break for doing two jobs?
Yes. Pour a driveway and patio, or a patio and walk, in one mobilization and save 8 to 12 percent. You also file one HOA submittal, not two.