Are Fences Covered by Insurance?

Many homeowners wonder whether their fences are somehow covered by insurance. The answer is yes, and there are some other important details to know.

First of all, your insurance company will probably only cover the costs for your fence’s current value, not the ones for the initial work and installation. Much like vehicles and other belongings, fences also tend to depreciate over time. Another important thing to know is that fences usually are referred to in the “other structures” section of your home insurance policy.

There are certain specific situations in which your insurance policy can cover fences also. For instance, it may happen that your fence got vandalized, or it got struck by a car, it may have got damaged by harsh weather events such as storms, hail winds, lightning, fire, and so on.

However, the insurance may not cover the damage done to you due to other types of situations such as floods, earthquakes, termites, sewer backups, etc.

, Are Fences Covered by Insurance?, Metro Fence, Metro Fence

If your fence is damaged by one of the events talked about above, schedule a meeting with Arvada fencing sales people to see what they recommend, and the estimate of repair costs. This gives you a stronger idea of the financials involved in the insurance company claim. The exact amount of money you can recuperate with the help of an insurance policy in case your fence gets damaged may also depend on the age of the fence, if it already got depreciated or not, and if the fence was kept in good conditions.