A new fence is a type of property investment, and it’s important to know whether that investment will be covered by your homeowners insurance. Whether you choose pricey wood fencing or an affordable fence chain, the answer to that question isn’t as straightforward as you’d hope. American Fence Company specializes in fence installation for the Allenhurst, GA, area, and they work hard to ensure their clients understand everything that comes along with their service. Here’s what they have to say about fences and insurance coverage.

What to Know About Protecting Your Fencing Investment With Insurance

Are Fences Covered?

The simple answer to this question is yes, but it ultimately depends on what kind of coverage you sign up for. If you’re familiar with your insurance plan, you already know there are different add-ons that help you personalize your plan based on specific needs. The “other structures” add-on is an example. A privacy fence falls under this category to join other property features like detached garages and storage sheds. Not every homeowner needs this specific kind of coverage, and it’s not an automatic part of your homeowner’s package. If you’re not sure whether your coverage includes this additional feature, read over your policy. If you don’t see it listed, call your insurance agent to make a request.

How Protected Is My Fence?

As with your home or vehicle, insurance won’t cover absolutely everything that could happen to your fence. In most cases, insurance will cover weather-related damage and freak accidents. If your dog likes to jump on your picket fence and scratch the boards, you’ll need to pay for the repairs. If your fencing contractor recommends staining your new wood fencing every few years and you ignore his suggestions, you’ll pay for the consequences. When a storm blows down a section of fencing or a tree lands on it, however, the damages are most likely covered by insurance. Remember to check your deductible to determine if using insurance will be worth it.

While it’s nice to know insurance has you covered in case of an emergency, your fence’s life span and durability will be directly related to who you hire for installation. American Fence Company will install wood fencing that is sturdy and well-made. Call them at (912) 876-8721 or visit their website for more information. You can also find the team on Facebook.