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!