Does homeowner’s insurance protect the fence around my house?
Does homeowner’s insurance protect the fence around my house? Fences add protection and privacy to properties. They prevent outsiders from invading the area of your home, and your small children, and pets from leaving without being seen. On the other hand, a good fence can increase the attractiveness of your property and even its value.
A fence is recommended if your property has a swimming pool, children’s play equipment in your yard, has dogs, or adjoins a lake or body of water.
What happens if your fence is damaged by a cyclone, a tree falls on it and breaks it, or a truck wrecks it by colliding with it?
If you have home insurance, don’t worry, it will most likely cover the damage. Keep in mind that homeowner’s insurance coverage for “other structures” – which includes the fence – is generally 10% of the home’s coverage.
That is if a strong wind destroys your fence, or a tree falls on it, your insurance will have to pay the cost of the repair.
Of course, if a car or a truck is the one that destroys it, it is advisable, instead of notifying your insurance company, to claim directly from the insurance company of the vehicle that caused the damage. The driver’s liability policy will have to assume the damages. In short, having home insurance is also a way to guarantee your privacy and security. Does homeowner’s insurance protect the fence around my house?