PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does home insurance cover garden fences?
Help! My favorite tree in my backyard just keeled over—directly onto my garden fence! Will my homeowners insurance cover the necessary repairs to my pickets?
Anthony William · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Let me first offer my condolences to your beloved tree.
Second, I have good news. The other structures coverage in a
home insurance
policy usually covers structures like fences and sheds if they are damaged by a covered peril, such as a fallen tree.The situation gets slightly more complicated if the next tree that falls on your fence happens to be your neighbor’s tree. In that case, you should still be covered by your own homeowners insurance policy. However, if your neighbor is culpable due to negligence or lack of maintenance, your insurer may attempt to recover reimbursement from your neighbor’s provider.
If you want to ensure you’re not overpaying for the coverage you have, you should use
Jerry
, an insurance comparison super app that shops for the lowest prices anywhere.View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies