Fence Etiquette: Sharing A Fence With Your Neighbor

It’s standard practice in many Texas neighborhoods for neighbors to share fences. In almost every situation you will be sharing your fence with at least one neighbor, but often you’re sharing a fence on both sides of your yard and sometimes you’re even sharing your back fence. No matter how many fence sides you’re sharing with your neighbors, you’ll want to be respectful and make your fence installation experience a positive one for all parties involved. Below we will go over some common fence etiquette tips when it comes to shared fences and why they’re important – let’s dive in!

Does Homeowners Insurance Cover Fences?

Although your fence isn’t part of your home, it is on your property, which means it could be covered by your homeowners insurance if it becomes damaged. Your fence is usually going to be covered under the “Other Structures” provision of your insurance policy, but you’ll need to read the fine print to double check your coverage.

A good rule of thumb for the amount of coverage your policy has in its “Other Structures” provision is 10% of your total policy. So if you have $400,000 of homeowners insurance coverage, the “Other Structures” coverage will be capped at $40k. While that would be plenty to cover any damages that may affect your fence, there are unfortunately a lot of situations where your fence wouldn’t be covered by insurance. Below we will dive into the main causes of fence damage and whether or not they would be covered by insurance!