A fence is an important part of your home, and it plays a significant role in your homeowners insurance policy, too. You might be able to lower your rates by installing a fence, and your coverage can apply to any damages to it. Here’s a guide to the relationship between home insurance and fences.

How Your Home Insurance Covers Your Fence

Several factors decide the rate for your homeowners insurance. A fence can be one of the reasons that you qualify for a lower rate. Installing a fence will also keep the number of claims you need to make down since vandals or burglars are less likely to choose your house if they’d have to hop a fence.

Many insurance companies require that a pool have a fence around it before they will even insure the house. Plus, in some states, including Ohio, fencing around pools is legally required to prevent drowning and accidental injuries.

How Your Fence Is Covered by Your Home Insurance

Your fence is sometimes covered by your homeowners insurance. It fits under the “other structures part” of your policy. Usually, it will be covered up to a certain percent of your policy’s total coverage, like 10% to 20%. 

Your insurance company will need to determine how the damage happened before they’ll provide compensation. For instance, if a flood or earthquake damages a fence, it won’t be covered unless you have that type of insurance on your plan. In addition, damage caused by normal wear and tear, termites, fungus, or mold won’t be covered. 

However, there are other circumstances when your homeowners insurance will pay for your fence repairs. If someone vandalizes it, this would be covered. If a healthy tree falls on it, this will also qualify. Damage from a storm is covered, too.

If you’re looking for quality homeowners insurance, choose Somers Agency LLC in Lorain County, OH. They offer personalized insurance coverage to fit your unique needs, including home, auto, life, boat, and flood. They’ll work with you to find comprehensive coverage that includes your fence. Visit their website or call (440) 324-3447 to schedule an appointment.