Will your insurance cover the cost of a utility pole?

That depends on what your property damage limit is. Typically, you have a per accident limit for property damage, usually around $10,000 or more. What this means that the insurance company will pay up to $10,000 in property damage for your car if you have full coverage and the cost for the pole. Should the combined total exceed $10,000 you may have to pay some of the excess yourself.