Is Fence Damage Covered By Home Insurance? 
Yes , it can be , if the damage results from a covered peril named in your policy . Always discuss the specifics of your policy with your Insurance Professional to fully understand the terms and conditions , but coverage would be available to you provided that your policy includes coverage for `` Other Structures '' . Any settlement paid to youfor damage caused to your fence would be subject to your deductible , of course . If as a result of some negligent action by you -LRB- ignoring that dead tree in your back yard that over hangs your neighbor 's fence , for example -RRB- the story is a bit different . If that tree comes down and damages your neighbor 's fence , then coverage would be found in the Liability portion of your policy . 