A new fence can maintain privacy and security, keep children and pets safe, and clearly define property lines. Every property owner should understand how a fence can affect their homeowners insurance coverage and rates. Use this guide to review this topic before making any final decisions.

How Do Fences Affect Home Insurance Rates?

Insurers consider a fence as a protective structure that can minimize safety and security risks. When risk is minimized, policyholders often see lower homeowners insurance rates.

This is especially true if you have a potentially dangerous feature on your property, such as a swimming pool, hot tub, or children's swingset. When shopping for home insurance, let your agent know that there’s a fence on-site so that you can get the best possible rate.

Are Fences Covered by Insurance?

Fences are usually covered under the "other structures" protections in your homeowners insurance policy. However, not every type of fence damage will be covered.

homeowners insuranceFor instance, most insurers won’t cover damage caused by flooding; you would need a separate flood insurance policy. Other events typically not covered include general wear and tear, mold, and insect damage.

Fortunately, there are many fence mishaps that are included in your homeowners insurance. These include a tree falling on the fence, a car running into it, and vandalism. As with any other type of insurance, the policy will cover damage up to the plan's stated limits, minus a deductible.

How to File a Claim

If the fence is broken or destroyed by a covered event, take photos of the damage. Obtain a copy of the police report if the cause was a car accident or vandalism.

Get quotes from a few different fence contractors to get an idea of the repair or replacement costs. If the total is less than the deductible, it will make more sense to pay out of pocket for any work that needs to be done.

If the cost is more than the deductible, file a claim with your insurance carrier. Give your agent the photos, police report, and estimates to ensure they have the information and documents they need for a successful claim.


If you need a homeowners insurance policy tailored to your property and budget, contact First State Insurance Agency. With locations in Beatrice, David City, and Hickman, NE, they’ve offered comprehensive insurance solutions for over 60 years. From personal and commercial policies to farm and crop coverage, their plans will protect your most valuable assets. Call (402) 979-7585 or visit them online to request a quote.