Does Homeowners Insurance Cover Fence Damage? 
Yes . A fence or shed are considered `` other structures '' . Most policies provide 10 % of the dwelling coverage for `` other structures '' coverage . For example , if your home is insured for $ 500,000 you would have $ 50,000 of coverage for the fence . Make sure you check your deductible and get an estimate to repair the fence before filing a claim because you do not want to file a claim if you are only going to receive $ 100 or $ 200 dollars . 