Fencing and Homeowners’ Insurance

Fencing and Homeowners’ Insurance

One of the most confusing and mis-understood aspects of home ownership is the fencing that surrounds a property. Who owns it and is responsible for its repair? What happens if it is blown down by wind? Are there regulations on the type of fencing where you live? Is fencing covered by homeowners’ insurance? Here is a look at some of the most frequently asked questions when it comes to residential fencing.

Who owns the fencing around my property?

If a certain type of fencing completely surrounds your property or backyard, the odds are very good that you own it. If the fencing matches other fencing that surrounds a neighbor’s property or yard, it is a good probability the fencing is their’s. If there is no fencing, or the fencing differs from other fencing in the vicinity, the best way to determine ownership is through a survey.

What is involved in a survey?

If your property is in a newer neighborhood, your county may have a recent survey on file that shows your property lines. If not, you may have to invest a few hundred dollars in getting a survey. The surveyor will mark the corner points of your property with steel pins. Running a string or placing a chalk line between these pins will show your property line. If a fence is on your side of the line it is yours. If it is on the line it may be considered a border fence, and ownership is determined by occupancy, or the person who maintains the property up to the fence. Ownership of a fence can also be determined if the fence is attached to a structure. Whoever’s property the structure is on may be considered the owner of the fence.

Will homeowners’ insurance cover damage to my fence?

Your fencing will likely be covered under the “other structures” provisions in your homeowners’ insurance, provided the damage is from a covered peril. Wind damage or a fallen tree, for example, would likely be covered but not damage from overgrown landscaping or an errant riding mower.

Are there fencing regulations?

Many communities and particularly homeowners’ associations have regulations regarding the size and type of material of which fencing may be constructed. Before starting any fencing project check with your county or HOA.

Are you paying too much for homeowners’ insurance? How would you know? Contact one of our independent agents for a no-obligation quote today!

We research the best insurance so you don't have to.

Leave a Comment





What You Owe Your Employees and How Business Insurance Helps

July 9, 2020

Pre-Planning a Funeral and Life Insurance

July 8, 2020

Do Car Color Choices Make a Difference?

July 7, 2020

He-Shed, She-Shed: Insuring Your Special Place

July 6, 2020

Vacation Ideas in a Socially Distant World

July 3, 2020

Where to Start with Insurance when Building a Business

July 2, 2020

Are You Going to Live Forever?

July 1, 2020

Fireworks and Homeowners Insurance

June 30, 2020

Why Car Insurance Rates Vary From Company to Company

June 30, 2020

Who Will Try to Steer Your Choice of Homeowners Insurance Companies?

June 29, 2020

It’s Time for Dad to get a New Grill When…

June 19, 2020

Best Times to Revisit Your Business Insurance Coverage

June 18, 2020

How Life Insurance Relieves Stress

June 17, 2020

Five Driving Test Questions You May Not Know The Answer To

June 16, 2020

Fencing and Homeowners’ Insurance

June 15, 2020

How Milwaukee Became America’s Beer Capital

June 12, 2020

Business Insurance and an Exit Strategy

June 11, 2020

The Power of Persistence and Health Insurance

June 10, 2020

Insuring a Unique Vehicle

June 9, 2020

Can I Afford Renters Insurance?

June 8, 2020

Lavender: An Essential Oil for Your Home

June 5, 2020

The Value of Business Interruption Insurance

June 4, 2020

Life Insurance and Suicide

June 3, 2020

Why Credit Scores Impact Auto Insurance Rates

June 2, 2020

Renters Insurance and College

June 1, 2020

9 Things You May Not Know about Thomas Edison

May 29, 2020

Should a Stay-at-Home Spouse Carry Life Insurance?

May 27, 2020

Who Covers You When Renting a Car?

May 26, 2020

Homeowners’ Liability Insurance: Who Would Sue You?

May 25, 2020

Poorly Reviewed Movies That Became Classics

May 22, 2020

Five Ways to Save on Business Insurance

May 21, 2020

Are My Expensive Chrome Wheels Covered?

May 19, 2020

Protecting Your Biggest Investment

May 18, 2020

Fun Ways to Relieve the Stress of Cabin Fever

May 15, 2020

Think Twice About Buying Business Insurance from a Friend

May 14, 2020

Why You May Need a Physical to Acquire Life Insurance

May 13, 2020

Will a Traffic Ticket Result in Higher Car Insurance Premiums?

May 12, 2020

Roof Damage and Your Homeowners’ Insurance

May 11, 2020

Moolah. Dough. Money. Cash Throughout US History.

May 8, 2020

Sole Proprietors and Business Insurance

May 7, 2020

What You May Have in Common With Pro Athletes

May 6, 2020

Your Car Was Damaged While Shopping. Now What?

May 5, 2020

Improving Your Home? Improve your Insurance.

May 4, 2020

Is Waxing a Car Still a Thing?

May 1, 2020

The ABC’s of Product Liability Insurance

April 30, 2020

The Value of a Life Insurance “Policy Status” Report

April 29, 2020

Why Changing Jobs May Change Your Car Insurance Rates

April 28, 2020

Five Easy Steps to Prevent Home Fires

April 27, 2020

A Brief History of the Interstate Highway System

April 24, 2020

Independent Businesses Deserve an Independent Business Insurance Agent

April 23, 2020

A Checklist: Expenses Your Life Insurance Should Cover

April 22, 2020

When, How and Why Auto Insurance Takes Effect

April 21, 2020

Burglary: A Big Reason to Have Renters’ Insurance

April 20, 2020

What You May Not Know About the Roaring (19) 20’s

April 17, 2020

Bundling and Business Insurance

April 16, 2020

7 Myths of Life Insurance

April 15, 2020

What Should You Know About Vehicle Safety Ratings

April 14, 2020

A Pool and ts Impact on Homeowners’ Insurance

April 13, 2020

Movie Sites You Can Still Visit

April 10, 2020

What is Condo Insurance?

April 9, 2020

Contact Us

-CONTACT US

OUR LOCATION

Have A Question?

We have an answer. Call us at 1-559-447-1747

2037 W. Bullard Ave., #276 Fresno, CA 93711

1-559-447-1747
CA License #0E05573

© Copyright 2020 McKinley Insurance Services  |   All Rights Reserved
Site by ICA Agency Alliance

2037 W. Bullard Ave., #276 Fresno, CA 93711
1-559-447-1747
CA License #0E05573

© Copyright 2020 McKinley Insurance Services  |   All Rights Reserved
Site by ICA Agency Alliance