The short answer
Fences fall under 'Coverage B — Other Structures,' typically 10% of dwelling coverage. HO-3 covers wind, hail, fallen trees, vehicle impact, and vandalism. Depreciation on wood fences is aggressive (5–7%/year) and settlement is often ACV, meaning payouts on 10+ year fences are 30–50% of replacement cost.
Frequently asked
- What if a neighbor's car hit my fence?
- File through their auto liability — no deductible for you. Your policy is fallback if their coverage is insufficient.
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