Does Homeowners Insurance Cover Fences?

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Does homeowners insurance cover fences?

Ever had a big wind knock down your fence? Or maybe a tree fell on it during a storm?

You might be wondering: Does insurance help with fence repairs?

Tag along as I break down how your home insurance can save the day when you have troubles with your fence.

Owning a house has its surprises, and a busted fence is one of them.

In this article, I explain how your home insurance can cover the cost of fixing your fence in a simple and easy-to-understand way.

Does Insurance Cover Broken Fences?

Ddoes homeowners insurance cover fences

Yes, your home insurance is like a superhero for unexpected events.

Usually, it does cover fence problems caused by things like fire, theft, vandalism, and storms.

What’s Covered?

If your fence gets smashed by a strong wind or a tree falls on it, your insurance might help.

They call this coverage “Other Structures Coverage” (Coverage B) in your insurance plan.

What’s Not Covered?

Your insurance won’t fix things if your fence is just getting old or you forgot to take care of it.

Some Insurance companies might not cover special fences especially those considered fancy.

So, check with your insurance company to be sure.

How Much Does Insurance Pay?

The insurance usually pays a certain amount, like 10% of how much they’d pay for your whole house.

But remember, they might not give you the full amount, especially if your fence is old.

And don’t forget, you have to pay a bit yourself – that’s your deductible.


Q1: Does insurance fix my fence if my neighbour’s tree falls on it?

Yes, if it’s something like a storm, your insurance might help fix the damage.

Q2: Are there fences that insurance won’t cover?

Some Insurance companies might not cover special fences.

Check with your insurance company to be sure.


Homeowners insurance can be a safety net for your fence, but coverage has its limits and conditions.

Always review your policy or consult with your insurance agent for personalized advice.


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