Does Homeowners Insurance Cover Fence Damage?
1615 POINTSview profileRyan AndrewPresident, The Andrew Agency, Richmond, VAYes. A fence or shed are considered "other structures". Most policies provide 10% of the dwelling coverage for "other structures" coverage. For example, if your home is insured for $500,000 you would have $50,000 of coverage for the fence. Make sure you check your deductible and get an estimate to repair the fence before filing a claim because you do not want to file a claim if you are only going to receive $100 or $200 dollars.Answered on July 9, 2013flag this answer
215 POINTSview profileStu CohenFounder, City Building Owners Insurance, Somers, NYThe answer depends on the coverages of your particular policy. As mentioned above, better policies typically cover fences under "other structures," but basic coverage policies may exclude them. Any time you file an insurance claim, you need to weigh the cost of repairs or replacement against the deductible on your policy and potentially higher insurance premiums in the future.Answered on August 28, 2015flag this answer
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