Is Fence Damage Covered By Home Insurance?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Yes, it can be, if the damage results from a covered peril named in your policy.   Always discuss the specifics of your policy with your Insurance Professional to fully understand the terms and conditions, but coverage would be available to you provided that your policy includes coverage for "Other Structures".  Any settlement paid to you for damage caused to your fence would be subject to your deductible, of course.   If as a result of some negligent action by you (ignoring that dead tree in your back yard that over hangs your neighbor's fence, for example) the story is a bit different.  If that tree comes down and damages your neighbor's fence, then coverage would be found in the Liability portion of your policy.

   Answered on February 7, 2014

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