Does My Home Insurance Cover My Fence? 
A fence is consider an other structure and is covered by a homeowners policy but the question would be by what loss . If the fence blew down in a wind storm or destroyed by fire or was even a result ofvandalismyou would have coverage minus your deductible . However if the fend is just old , wore out and falling over this would not be a covered peril of your policy . Also keep in mind , fences are often shared so your insurance would be responsible for half the fence and your neighbor the other half . 