Happy family playing in their yard.

Are Fences Covered by Home Insurance?

Updated March 1, 2024 . AmFam Team

Your homeowners insurance is designed to protect your home and belongings from the unexpected — and understanding how and what that protection includes helps ensure you have the right coverage in place.

The detached structures on your property, like your fence, aren’t covered by your home insurance unless you purchase unscheduled structures coverage, which is an optional coverage you can add to your policy. This coverage offers limited protection of up to $5,000. It’s important to understand that if you only rely on this limited coverage, you may be left without adequate protection to cover damages to your detached structures. That’s why you can further protect structures on your property that aren’t attached to your home, such as garages, gazebos, sheds and fences, by selecting higher limits to suit your needs.

Happy person talking on the phone while leaning on his fence.

Homeowners Insurance Fence Coverage

Your fence is usually covered for the same unexpected events as your home, for instance, damage from windstorms, hail, lightning, vehicle damage, fire and smoke, as well as vandalism.

Suppose your fence is damaged by an event covered by insurance, and you file a claim. In that case, the repairs or replacement will be for its actual cash value (ACV), meaning your insurance company will help cover the cost, but they’ll take into account the fence’s age and condition. If your fence is non-wooden, you can choose to schedule it — which means you can choose to have greater coverage for a broader number of risks for just your fence — and receive replacement cost coverage (RCV), which repairs or replaces your property with new property of the same type, kind and quality. So, you won’t have to worry about paying more than your deductible to cover the damage. Wooden fences are only eligible for ACV coverage.

Fences can deteriorate quickly if not maintained, and often, if a fence isn’t properly maintained, it’ll rot and become more prone to damage from the elements, like being blown down. Keep in mind that this coverage excludes wear and tear, so damage from a lack of maintenance won’t be covered.

Home with fence during a hailstorm.

If Your Fence Is Damaged by a Storm

Whether a tornado or a fierce windstorm destroyed your fence, wind-related damage is covered by your home insurance. So, if a storm damages your fence, you should be covered up to your policy’s other structures limit.

Fence damaged by a fallen tree.

If a Tree Falls on Your Fence

If a tree falls on your fence due to a covered loss, like a windstorm, your home insurance will typically help cover the cost (up to your policy’s other structures limit) to repair or replace it. Your insurance will also cover the cost of removing enough of the tree to repair or replace the fence.

However, if the tree doesn’t damage a covered building, your insurance company may not help cover the cost of damages or removal.

Fence Insurance Claims

If your fence is damaged and you file a claim, you’ll want to complete the following:

  • Document the damage thoroughly with details of how the damage occurred.
  • Don’t move or clean up the damage (unless you need to for safety reasons).
  • Provide multiple photos of the damage and, if possible, photos of the fence before the damage.

You can easily submit your claim online or by calling 1-800-MYAMFAM (692-6326) to talk with one of our trusted claims professionals — they know what it takes to make your entire experience as reassuring and convenient as possible.

House with a white picket fence.

Request a Quote

Get the right coverage by connecting with an American Family Insurance agent (Opens in a new tab). They’ll help you determine what homeowners coverage you need to protect your home and everything that makes it uniquely yours.

This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements, or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.

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