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Is a broken fence covered by home insurance?

A section of my fence in the backyard broke apart during a heavy storm this past week and I am hoping to get it fixed soon. Will this be covered by my home insurance?

Nick Kunze · Updated on Jan 26, 2022

Reviewed by Shannon Martin, Licensed Insurance Agent.

Sorry to hear about the broken fence. The good news is, a fence is likely to be covered by home insurance as long as the damage is caused by a named peril.

A fence is covered under the other structure coverage of a

homeowners insurance policy

. This coverage type has a lower limit, with a total reimbursement of 10% of your total home coverage. This should be plenty for a fence, however.

As long as the fence is damaged by a

, you’ll be covered for repairs. This includes falling trees, fires, storms, and more. Damage from wear and tear or neglect is not usually covered.

For the best possible insurance pricing, you’ve got to download

. Jerry is a licensed brokerage app that simplifies insurance shopping, letting you find great coverage at a low price in just a few minutes.

MORE:

Home insurance terms you need to know

View full answer

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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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