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Are fence panels covered by home insurance?

Some panels on my property’s fence got damaged during a nasty storm last week. Quite a few panels will need to be completely replaced. Are fence panels covered by home insurance?

Nick Kunze · Updated on Feb 10, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

Sorry to hear your fence was damaged. The good news is, the repairs to your fence will be covered by your homeowners policy.

Fences are covered by the other structures coverage section of your homeowners policy. This covers all the physical structures on your property other than your house. This includes fences, pools, and sheds.

To be covered, the damage to your fence must be caused by a named peril. These are sudden, unexpected damages that are listed on your lease. The good news is, almost every homeowners policy will cover storm damage. Some other common named perils are fires, theft, and windstorms.

Once you get your fence fixed, your insurance rates may rise. This is the perfect opportunity to find a brand-new

homeowners insurance

policy! Use the Jerry app to find great coverage at a low price.

gives you access to a huge list of competitive insurance quotes, all from top insurance providers. Use these quotes, plus Jerry’s personalized recommendations, to get the policy you want.

MORE:

The 16 perils of home insurance

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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