For most homeowners, fences serve both functional and aesthetic purposes, providing privacy, security, and curb appeal. However, if you’re counting on a home warranty to cover damage to your fence, you’ll likely be disappointed. Standard home warranty plans do not cover fences, as they are generally classified as exterior structures rather than mechanical systems or appliances within the home.
Why Fences Are Typically Excluded
Home warranties primarily focus on major systems and appliances that can fail due to normal wear and tear—for example, your plumbing, HVAC, electrical, or kitchen appliances. Since fences are not considered part of these interior or mechanical systems, warranty providers exclude them. Fences also sit outside the home and are susceptible to damage from weather, landscaping mishaps, or simply aging and rot over time.
Homeowners Insurance vs. Home Warranty
If your fence is damaged by a covered peril—such as a storm, fire, or vandalism—your homeowners insurance policy might step in to help cover some or all of the repair or replacement costs. However, this depends on two key factors:
- The terms and deductibles of your policy.
- The cause of damage (must be a covered event).
Home warranties, in contrast, focus on internal breakdowns of covered items due to regular use, so exterior structures like fences, gates, sheds, and detached garages are almost always out of scope.
Optional Outdoor Coverage
Some home warranty companies advertise limited “outdoor structure” coverage or additional riders, but these tend to center on items like pool equipment or electrical lines running to outside areas. It’s rare to find a plan that includes fences in any substantial way. If such an add-on exists, be sure to read the details carefully, as coverage will likely be minimal.
Regular Maintenance Is Key
Since fences are excluded from standard home warranties, maintenance and repair costs fall entirely on the homeowner. To prolong the lifespan of your fence and avoid pricey surprises:
- Inspect it regularly for loose boards, rusted fasteners, or signs of rot.
- Clean and seal wooden fences to protect them from moisture.
- Paint or stain as needed to maintain both appearance and durability.
- Trim vegetation growing around the fence line to reduce pressure on fence boards.
A home warranty will not cover the costs to repair or replace your fence, as it’s considered an exterior structure rather than a covered home system. If fence damage arises from a covered peril, homeowners insurance may provide some relief, but for routine upkeep, you’ll need to budget and plan for repair and maintenance on your own. If you’re especially concerned, review your existing insurance policy or look into specialized coverage to ensure your fence—and your peace of mind—remain fully protected.
