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Home Insurance – Are my fences and gates covered?

Unfortunately, the answer to this question isn’t as simple as you’d expect. So, let’s break down when you are covered for gate and fence damage, and when you might not be.

Unfortunately, the answer to this question isn’t as simple as you’d expect. So, let’s break down when you are covered for gate and fence damage, and when you might not be.

Written by
Helen Phipps
Insurance comparison expert
Reviewed by
Rachel Lacey
Insurance and money expert
Posted
15 December 2022
2 min read
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Does home insurance cover fences and gates?

Yes, in theory, your fences and gates are covered by your building insurance cover. A buildings insurance policy covers the structure of your home, as well as any outbuildings, which includes structures like fences, gates, conservatories, sheds and garages, that fall within the boundaries of your home.

However, you need to read the small print in your policy documentation, as there may be policy exclusions.

Things like garden furniture or garden equipment, like lawnmowers etc. would be covered by a contents insurance policy.

Are fences and gates covered for storm damage?

Unfortunately, while a policyholder might expect to be covered, storm damage for fences and gates is a common exclusion for standard home insurance policies.

If you’re worried about your specific situation, speak to your insurance company and ask them directly.

Does home insurance cover a tree falling on my fence?

Possibly, but it depends on the policy’s level of cover. That’s why it’s important you check your policy wording carefully. If a branch falls and breaks your fence, it could be covered under accidental damage. But, if a storm causes a fallen tree to damage your fence, that might not be covered. You’d probably need specialist storm damage insurance.

Are fences and gates covered for subsidence?

Fence and gate cover for subsidence won’t normally be covered under a standard home insurance policy, so you may need to add extra cover. If you’re unsure, it’s best to read the policy documents carefully or speak to the insurance provider.

Are fences and gates covered for vandalism?

Yes, gates and garden fences will usually be covered in the event of vandalism or fire.

However, if you leave your home insecure (like leaving the gate unlocked), then an insurance claim probably won’t pay out for someone entering your garden and vandalising your fence.

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Helen Phipps - insurance expert

Having worked in both sides of the industry, Helen’s a real insurance expert. She’s worked directly with several insurance providers and now Compare the Market. She’s always searching for the cheapest prices for customers and is passionate about saving people money. Being married with two kids, Helen knows all about the cost of living and the benefits of having the right products and insurance for the whole family.

Learn more about Helen

Rachel Lacey - Insurance and money expert

Rachel’s a self-confessed money nerd who’s been writing about personal finance for more than 20 years. She spent 17 years writing for Moneywise, including a few years as Editor, and likes making complicated subjects like insurance, pensions, investing and tax, easy for people to understand.

Learn more about Rachel