Does Homeowners Insurance Cover Fences?

The value of homeowner’s insurance can’t be denied whether you’ve owned a house for a year or three decades. There are millions of homes in Texas, and many residents consider adding a fence for several reasons. Whether they want more privacy or add value, it’s a good investment. Our experts at Paragon Independent Insurance Agency serve Plano, TX, by helping them understand more about their policy. One common question we get is whether or not insurance covers a fence.

Will Home Insurance Cover A Damaged Fence?

Home insurance typically covers your fence, but it must be from something considered a covered loss. For example, if you neglect routine maintenance or upkeep, that wouldn’t qualify for a replacement. Below would be examples of when your policy would cover your fence.

• Strong wind or hail from a thunderstorm damages your fence
• A neighbor’s tree falls on your fence, creating a gap in one of the sections and making it unusable.
• A car veers off the road and crashes into your fence, causing significant damage.
• These are all scenarios where your home insurance policy would likely cover the cost of repairing or replacing your damaged fence.

However, it’s important to note that each insurance policy is different, and coverage may vary depending on your policy’s specific terms and conditions. Our team of experts is always available to answer any questions you have. As a structure outside the home, it’s good to understand what is covered when something unexpected occurs.

Call Paragon Independent Insurance Agency To Get An Estimate

Do you need a quote for a home insurance policy in Plano, TX? We would love to make the process as easy as possible. Call for an estimate!