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Is your fence covered by home insurance?
My town was just hit by a storm, and a section of my fence blew down. It was in pretty good condition before the storm, and, thankfully, I have home insurance. Before I repair it myself, I’m wondering if fence damage is covered by home insurance?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Severe storms are not fun—I’m so sorry that part of your fence was ruined. *Fortunately, fence damage is covered by home insurance if caused by storms and wind damage.
It’s a good thing your fence was in decent condition because that means your repair costs will be closer to the current value of the fence. If you’ve opted for replacement cost coverage, even better—you’ll get the amount needed to repair it to its original condition without considering depreciation.
Here are some other situations where your fence is likely covered:
- A tree falls on your fence. If a tree on your property falls onto your fence, your home insurance will cover it. Keep in mind that this story might change if the tree was already dead. Insurance providers don’t tend to pay for preventable issues, but they will pay for negligence if it was your neighbor’s tree!
- Storms & weather events. If a hailstorm, thunderstorm, or another weather event with high-speed winds damage your fence, you’re entitled to make a claim. Floods and earthquakes, however, are not typically covered.
- Vandalism. If your fence is vandalized, whether it’s tagged with graffiti or removed entirely, your home insurance policy should take care of the repair costs.
Remember: if the damage is sudden or accidental, you’re probably covered.
It’s important to note that home insurance policies differ, so it’s always best to check with your
home insurance
company to make sure you’re covered. If you’re not happy with the way they handle this situation, then you can always switch your coverage with Jerry
’s help. In less than 45 seconds, Jerry collects all of your information from your existing insurer. Then you can choose from competitive quotes from the top insurance companies and they’ll take care of the rest—securing your new policy and helping you cancel your old one.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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