It depends. If you’re changing your fence or updating it for cosmetic reasons, you typically do not need to notify your insurance provider of the changes unless they add value to the fence. However, if you’re upgrading your fence and think it could cost more to replace than your prior fence, not alerting your home insurance company of the changes could cause you to be underinsured with your other structures coverage. In that case, you may want to review your policy details and speak to your insurance agent about your new fence to ensure that you have adequate protection.