Does Property Insurance Cover Fences? 

Does Property Insurance Cover Fences? – Our aim is to provide you with the knowledge and confidence you need to better your financial situation. Although we accept income from our partner lenders, whom we will always name, we maintain editorial independence. Refinancing your mortgage may result in increased overall finance costs throughout the life of the loan.

You are aware that your homeowner’s insurance covers you in the event that covered occurrences, such as severe weather or vandalism, cause damage to your house. However, you may have doubts about other constructions on your land, such as your fence.

Standard homeowner’s insurance plans offer coverage for additional buildings. As the name indicates, it protects detached buildings on your property, such as your fence, shed, and gazebo. However, other structural coverage does not always apply, so it is essential to understand how it works and when it will protect you.

Here’s what you need to know about fence coverage and homeowner’s insurance:

Does home insurance provide coverage for fences?

Your homeowner’s insurance policy will cover fence damage caused by a danger, often known as a covered occurrence. The risks covered by a homes insurance policy are detailed in the table below.

The portion of your homeowner’s insurance policy that covers fence damage is separate from the portion that covers house damage. Dwelling coverage is the primary coverage area of homeowners insurance, and it is intended to cover structural damage to your house.

Coverage for fences is under your other constructions coverage, or Coverage B. Other structures coverage covers any non-attached structure on your property, such as fences, sheds, guest houses, gazebos, and detached garages.

Suppose, for instance, that your house catches fire and the flames extend to your external buildings, including your fence. In addition to covering damage to the property itself, your homeowners insurance would also cover damage to your fence.

Some circumstances are a little less clear-cut than others. For instance, if your fence is not destroyed by a windstorm but your neighbor’s tree falls over it, your insurance policy should still cover the damage. However, if your tree falls over your neighbor’s fence, it would be covered by their homeowner’s insurance.

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Fence damage coverage limitations

Similar to other forms of insurance, homeowners insurance includes coverage limitations, or the maximum amount an insurer will pay for a claim. There are varying coverage limitations for certain aspects of your homeowners insurance policy. Your dwelling coverage amount is typically determined by the cost to rebuild your house. Your policy’s other components are dependent on the quantity of dwelling coverage you have.

Other constructions coverage is typically equal to 10 percent of your dwelling coverage. Therefore, if your house is insured for $300,000, your additional constructions would be protected for up to $30,000.

Remember that this coverage extends to all other buildings on your property, even if it seems like a lot. No, repairing a fence will not likely cost $30,000. However, repairing a fence, detached garage, or other building may easily cost more than $30,000.

Consider speaking with your agent about adding an endorsement or rider to your policy for additional coverage if you have many buildings on your property that would be more costly to replace than what your homes insurance policy covers.

When are fences excluded from home insurance?

In most cases, your homeowner’s insurance will cover a fence, but there are exceptions. If the damage is caused by a risk that your homes insurance excludes, your coverage will not apply. Examples include:

Usage and age Pest damage
Gradual water damage

In some circumstances, your homeowner’s insurance policy would cover fence damage, but you may not want it to. Suppose a motorist runs off the road and into your fence. Technically, coverage should be provided by your homeowner’s insurance. However, the driver’s liability insurance might cover the cost. In such a circumstance, you would not need to worry about reaching your homeowner’s insurance deductible.

Additional protections for your fences

Replacement cost coverage means that your homes insurance policy will pay the amount required to reconstruct your house in its existing condition. However, this is not always the case with other structures, such as fences. Instead, insurance companies subtract for depreciation, so the amount you get may not be sufficient to replace the fence.

 Does Property Insurance Cover Fences?
Does Property Insurance Cover Fences?


Depending on your insurance carrier, you may be able to add a rider to your policy that provides replacement cost coverage for your fence. In this manner, you may be certain that you are entirely secured should your fence be demolished.

Consider the following additional coverages for fence protection:

Homeowners insurance does not cover floods, so consider purchasing flood insurance to safeguard your fences and other buildings. Private insurers and the National Flood Insurance Program both provide flood insurance policies.
Earthquakes may cause the collapse of fences. If you reside in a high-risk location for earthquakes, you should get earthquake insurance.

Claim procedures for a damaged fence

If your fence has been destroyed by a natural catastrophe or another covered risk, you must make a claim with your homeowner’s insurance company in order to obtain compensation. Here’s how to initiate:

Record the damage. When you submit a claim, your insurance company may want photographs of the damage. Document the damage thoroughly in order to be prepared.
File a police report (if applicable). If vandalism or other criminal activity caused the damage to your fence, make a police complaint.
Contact your insurance carrier. Contact your insurance company as soon as possible. Contact your local agent if you have one. If not, contact the insurance.
Fill out the claims form. Your insurance agent will want you to submit a claim form in order to formally begin the process. You may also be required to provide photographs of the damage.

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Meet with an adjuster for claims. An insurance adjuster may visit your house after you complete a claim form to inspect the damage.
Get quotations from contractors. Once you have determined that your insurance provider will cover the damage, you may begin searching for a contractor to do the necessary repairs.
Complete your corrections. Your insurance company may give you or your mortgage lender a cheque for the damage, or it may make the payment straight to the contractor once the repairs have been completed.

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