How Fencing Helps in Reducing Your Homeowner Insurance Cost

Fencing is mostly thought of as a way to protect a family’s privacy. It also protects the property from intruders by offering a level of security that many insurance companies appreciate. Because a fence can reduce the risk of financial loss, many insurance companies will offer their policy holders discounted rates if they have installed fencing.

Building a solid fence around your property prevents the area from wandering intruders. Your homeowner insurance cost could fall because of this safety protection. Fences provide supreme protection in cases that could prevent the homeowner’s liability. A few main things that can raise the insurance are the swimming pool, hot tub, and special area of your house.

Protect your pool and hot tub with proper fencing. Similarly, it goes with the swing area or trampoline in your backyard.

To receive the discounts, insurance companies may require that a newly installed fence meet certain requirements:


A fence must be at least four feet high with less than a two inch gap between the bottom of the fence and the ground. It must be built in such a way that it cannot be climbed or scaled.

Fencing Materials and Installation

Choose fencing materials like chain link, wire and iron. Sturdy materials must be used, such as solid wood panels, cement pavers, or brick and mortar. The fence must be properly installed with each post buried underground to an appropriate depth.

Gates and Latches

A self-closing gate is required, as well a child safe latch that is placed out of reach of small children. Self-closing gates protect from intruders and child-safe latches prevent small children from wandering out of the yard.


Although it is not specified in most policies as a requirement, reducing the visibility into the lawn is also the key in preventing loss. People who can see into the property are better able to tell if you are on vacation or if you have bought new items. Reducing visibility will also prevent predators from viewing your family during gatherings.

Does Fence Falls Under Homeowner’s Insurance

You must have learned how a fence can reduce your homeowner insurance cost. It is important to mention that homeowner’s insurance typically covers fencing damages. If you want to lower your insurance cost, the first step you need to follow is creating fence documentation by capturing a picture of fence installation as proof to show your insurance company, as they might ask for it.

If you need to protect your property and reduce your homeowner’s insurance cost, then contact us at

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