Fences coverage in Homeowners Insurance?

Fences coverage in Homeowners Insurance?

1. What components of a fence are typically covered by homeowners insurance?

What is Covered by Homeowners Insurance for Fences?

When you’re looking for coverage for your fences, one of the first places to start is to consider homeowners insurance. Homeowners insurance is designed to cover a variety of repairs and replacements, including fencing. But what will be covered, and what needs to be taken into consideration?

Common Fence Damage Covered By Homeowners Insurance

Typically, homeowners insurance will cover damage caused by common incidents, such as:

  • Vandalism or theft: If a fence is damaged deliberately, like someone spray painting over it or sawing it away, your insurance policy might cover the cost of replacing it.
  • Fire: If a fence is damaged due to a bush fire or house fire, your insurance policy may be able to cover the cost of repairing or replacing it.
  • Vehicle collision: If a vehicle crashes into your fence, your policy might help to pay for damage.

Things to Consider When Insuring a Fence

When considering an insurance policy for your fence, there are some things that you need to consider.

  • Age and material of fence: If your fence is old and has been badly maintained, it may not be covered. Similarly, certain materials, such as wood, are typically only covered if they are in a good condition.
  • Property ownership: Most insurance companies will not cover damage to a fence if you do not own the property it’s situated on. Talk to your insurer to make sure you have the right coverage.
  • Location: Fences located in certain areas, such as near a beach or a body of water, may not be covered by homeowners insurance.


Homeowners insurance can be a great way to protect yourself from the costs of repairing or replacing damaged fences. To find the right coverage for you, it’s important to be aware of the restrictions imposed by each policy and understand the different factors that go into determining what is covered and what isn’t.

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