You'll notice coverage for other structures as you look over your homeowner's insurance policy. This coverage includes the repair or replacement of an existing fence or wall. In most policies, other structures are partially covered at a rate of 10% of the total coverage amount. For example, if you have a policy worth $250,000, you'll be eligible for $25,000 toward your fence repair or replacement. If you're repairing or replacing a shared fence or wall, your insurer will only cover your share of the project. This often involves getting letters from the property owners who share the fence. The letters should specify your percentage of the ownership of the fence or wall and your financial obligations in repairing the barrier.