Does Homeowners Insurance Cover a Fence?

Your fence is covered under ‘other structures’ when a covered peril — storm, fire, vandalism, or a car — damages it, but not rot, rust, or wear.

By the Home & Dime Editorial Team · Last updated 2026

Covered

• Wind or a fallen tree.
• A car hits it.
• Fire or vandalism.

Not covered

• Rot, rust, wear.
• Termite/pest damage.

Frequently asked questions

New or depreciated payout?

Often actual cash value.

Neighbor’s tree hit my fence?

Usually covered under your policy.

The bottom line

Storm, fire, or car damage to a fence is covered; rot and wear are not.

Related guides

• Does Homeowners Insurance Cover Tree Removal?

Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.