Does My Home Insurance Cover My Fence?
16470 POINTSview profileDavid OsgoodAgent, Rural Mutual Insurance Co., Union Grove, WIIn most cases. If the damage was caused by a covered peril then the damage to the fence should be covered. Please read over your policy completely to know what coverage is provided and what exclusions there may be or contact your local agent to have them go over the policy with you.Answered on May 13, 2013flag this answer
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersA fence is consider an other structure and is covered by a homeowners policy but the question would be by what loss. If the fence blew down in a wind storm or destroyed by fire or was even a result of vandalism you would have coverage minus your deductible. However if the fend is just old, wore out and falling over this would not be a covered peril of your policy. Also keep in mind, fences are often shared so your insurance would be responsible for half the fence and your neighbor the other half.Answered on May 13, 2013flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaThe homeowner’s insurance policy is based on a formula. A certain amount of coverage (a percentage of the residence coverage) is the limit for fences and other structures that are not a part of the house. These include the fence, driveways, sidewalks and other fixtures and building materials located on your home site that are intended for construction purpose on your home. On your policy you can find the limit of coverage for these items under coverage B.Answered on March 19, 2014flag this answer
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