Does Home Insurance Cover Fences?


Before delving into specifics, it’s essential to grasp what home insurance is and why it’s vital for homeowners. Home insurance, also known as homeowners insurance, is a type of insurance coverage that provides financial protection against disasters, theft, and damage to your home and the assets within it. It’s an investment to shield your valuable assets from unexpected circumstances.

Do you ever wonder whether that fancy fence that marks the perimeter of your home, giving it an aesthetic appeal and protection, is covered under your home insurance policy? Let’s dive into this intriguing question.

The Importance of Home Insurance

Imagine waking up to find your beautiful garden fence damaged due to an unexpected storm or vandalism. Could you bear the financial burden of replacing it? This is where home insurance comes into play.

Coverage and Exclusions

Let’s peek into what home insurance typically covers and what it excludes.

What Does Home Insurance Typically Cover?

Home insurance primarily covers the structure of your home, personal belongings, liability for injuries or damage to others or their property, and living expenses if your home is uninhabitable.

Exclusions in Home Insurance

However, not all circumstances are covered. Home insurance often excludes damage from natural disasters like floods or earthquakes, wear, and tear, intentional damage, or damage to properties left vacant for extended periods.

The Scope of Fence Coverage

So, does home insurance cover fences?

When Does Home Insurance Cover Fences?

As a homeowner, it’s vital to understand when your home insurance policy comes to your rescue regarding fence damages. More often than not, you’ll be glad to know that the answer leans toward “yes.” Most home insurance policies cover fence damages caused by unforeseen or uncontrollable incidents.

These incidents could vary from severe weather conditions like storms to unpredictable events like fires or acts of vandalism. For instance, if your wooden fence was destroyed due to a raging fire or your metal fence got damaged by an intense storm, you would generally be covered. Similarly, if vandalism left your fence in disrepair, your home insurance policy could very well protect you.

Circumstances That May Not Be Covered

However, it’s crucial to remember that not all situations qualify for coverage under a home insurance policy. As the policyholder, it’s your responsibility to maintain the condition of your assets, including your fence. 

Thus, if the fence damage has resulted from negligence or a lack of routine maintenance, your home insurance policy may not cover the repair or replacement costs. For example, if your fence has succumbed to a termite infestation due to your negligence, repairing or replacing the fence might fall on your shoulders. The same rule applies to damages caused by general wear and tear. 

Over time, fences tend to deteriorate – the paint peels off, the wood chips away, or the metal rusts. Unfortunately, these types of damages, which are generally preventable with proper care and regular maintenance, aren’t typically covered by home insurance policies.

As a rule of thumb, it’s essential to remember that an insurance policy isn’t a maintenance contract but a protective measure against unpredictable and unexpected incidents. Your insurance provider is there to help in times of sudden and accidental events, not to cover the costs of ongoing upkeep.

Factors Influencing Fence Coverage

Certain factors influence whether your fence is covered.

Material of the Fence

The material of your fence might affect your coverage. A robust metal fence may have different coverage rules than a wooden one.

Location and External Factors

The location of your fence and the surrounding environment could also play a role. For instance, if your fence is located near a tree that poses a threat, this might impact your coverage.

Making a Successful Claim

Wondering how to make a successful claim?

Documentation and Evidence

Documenting the damage and maintaining records is crucial. Photos, receipts, and reports can strengthen your claim.

Working With Your Insurance Provider

Establish a solid line of communication with your insurance provider. Ensure you understand your policy well and make inquiries where you’re unsure.


1. Does my home insurance cover a fence damaged by a pet?

Typically, no. Damage caused by pets is usually considered preventable and isn’t covered.

2. How often should I review my home insurance policy?

It’s a good idea to review your policy annually or whenever there’s a significant change to your home.

3. What if my fence is damaged due to an act of God, like a hurricane?

Coverage can vary. It’s best to discuss this with your insurance provider to understand your policy’s specific terms.

4. Can I increase my coverage to include fences?

Yes, you can often adjust your policy to include additional coverage for fences.

5. Is a damaged fence covered if I’m not at fault?

If a covered peril caused the damage and wasn’t due to neglect or wear and tear, it should be covered.


Understanding your home insurance policy is key to knowing whether it covers your fences. Generally, fences are covered, but exceptions apply based on the cause and nature of the damage. So, regularly review your policy and consult with your provider for a comprehensive understanding.

Read more about personal property coverage from our blogs at Security Forward today.

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