Homeowners insurance protects your home and belongings from unexpected damage. When making changes to your property, such as adding a fence, it’s important to review your policy to determine if these new developments will be covered or affect your premium. The guide below explains how a fence installation can affect homeowners insurance.

How Can a Fence Installation Affect Homeowners Insurance?

Taking security measures that protect your home from theft or potential damage can actually lower your monthly insurance premiums. This includes the addition of a secure fence that keeps strangers from trespassing onto your home. If you have a pool or spa on the premises, fencing it in would reduce the risk of injury and keep your rates from increasing. 

How is a Fence Covered Under Homeowners Insurance?

Typical homeowners insurance policies do not cover detached structures, such as fences, found on the property. If you want to ensure a new fence installation is protected, you’ll need to purchase unscheduled structure coverage. This extra policy will offer limited protection up to a certain percentage, usually 10 percent, of the full policy. 

By doing this, your fence would have the same coverage that your homeowners policy provides. Usually, this will cover damage caused by storms, vandalism, and other mishaps— such as a neighbor’s tree falling onto the fence or a driver crashing their car into it. If the house is not protected against certain conditions, like flooding, earthquakes, or termite damage, then the fence will not be either. 

If you want to increase your home’s privacy, security, or curb appeal with a new fence installation, turn to the professionals at King Fencing, LLC in Baton Rouge, LA. This fence contractor installs iron, wood, and aluminum fences to meet residential and commercial needs. Call them today at (225) 328-6802 for a free estimate, and visit their website to view examples of their work.