Does Home Insurance Cover Garden Fences? published on 3 May 2023
As a homeowner, it is important to protect not only the interior of your home but also the exterior, such as garden fences, gates, and other structures within your garden. However, when it comes to home insurance coverage for these structures the answer is not always that straightforward. We have put together some frequently asked questions related to whether your home insurance covers garden fences.
What if my garden fence is damaged by a storm?
In general, the majority of home insurance policies will cover damage to your garden fence caused by unexpected events such as severe weather conditions and falling trees etc. It is important to note that policies will vary between different insurers, so we would advise checking the specifics of your insurance policy to be on the safe side.
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*It is also important to note that damage caused by storms and high winds is often excluded so be sure to check your insurance policy.
Is Garden Fence vandalism covered by Home Insurance?
Most home insurance policies will cover you for vandalism; however, you will need to be able to show that you have not been negligent in leaving your premises unsecured, for example, by leaving a gate open. You will not be covered if your fence has not been well maintained. As previously mentioned, it is important to review your policy or contact your insurer to completely understand what your policy covers.
What if a car crashes through my garden fence?
If someone drives through your garden fence, whether you are insured or not will depend on your insurance policy. If you have a homeowners’ insurance policy, it may cover the damage to your fence caused by a vehicle. If you need to claim for damage to your garden fence, most likely this cost will fall under the driver’s insurance. The driver’s insurance company will be responsible for dealing with the claim for damage to your fence. Please make sure that you have all the required details for the driver including, their name, address, phone number, car registration, and insurance details. If the damage was caused to your fence due to a hit and run it may be possible to claim under your home insurance however it is quite likely you would lose your no-claims bonus.
Do I need a specific type of home insurance to cover damage to my garden fence?
Damage to your garden fence may well be covered under your insurance policy, which will also cover other structures on your property, such as gates. If you have expensive items in your garden, for example, an electric fence or gate that would be quite costly to repair, it would be advisable to look at a higher level of cover, such as a specialist garden cover. It is always best to check with your insurance provider to check if the extra cover is needed.
Keep your garden fence protected
Check your garden fence panels often for damage, particularly after storms, and reinforce damaged posts with concrete. Regularly checking your fence will allow you to identify problems early on and take measures to protect it.
Choose the right material for your garden fence
If you are deciding on installing a new garden fence or upgrading your current fence, ensure you choose a material that is resilient and that can withstand harsh weather conditions, such as a metal fence. Metal fences are durable, long-lasting, and less likely to be damaged by wildlife or pets. They also offer great security and come in a range of colours and designs. They are a great option for those looking for a maintenance-free fence.
Looking for a maintenance free garden fence?
If you are looking to upgrade your garden fence why not check out our award-winning DIY SmartFence flat pack fence panels that can be installed in minutes. If you are in need of a bespoke fence solution check out EliteFence..
Alternatively, feel free to reach out to our team here at EliteGarden if you need assistance in choosing the right garden fence solution for you.