Does Home Insurance Cover Fence Damage?

  1. 15645 POINTS
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    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Homeowner's can cover damage to a fence, whether it is a wooden, metal or any other type. If not attached to the dwelling, it may fall under another part of a standard policy including "other structures." Typically, you have 10%-20% of the amount on your dwelling covered for other structures.
    Answered on May 5, 2013
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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The fence is included in most homeowner’s plans.  Since fences can vary widely in cost there is a possibility that the fence would need to be individually valued in the policy.  For normal fencing the claim might fall near or below the deductible which would make filing a claim to be futile.  If you lose all or part of a fence get an estimate and call you agent before you report the loss to the claims department.  The changes in your next year’s premium for having filed the claim could make it advantageous to forgo making the claim.
    Answered on August 1, 2014
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