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A horizontal fence is typically more expensive to build than a vertical fence, often costing between 10% and 20% more. The higher cost is due to the need for a higher grade of lumber and more posts to prevent the boards from sagging, which increases both material and labor expenses. Despite the higher price, horizontal fences tend to be more durable and offer a more distinct, modern look compared to the more common vertical picket style. However, they may not be the best option for privacy, as there can be slight gaps between the horizontal rails.

Yes, in many cases, homeowners insurance covers the cost to repair or replace a fence. Home insurance policies typically protect your home and other structures on your property, which often includes fences. If the fence is damaged by a covered event, such as a storm, fire, or vandalism, your insurer may cover some or all of the cost. However, coverage does not extend to damage caused by natural wear and tear, owner negligence, insufficient maintenance, or improper installation.

Who pays for a new fence between neighbors depends on its location relative to the property line. If you build the fence entirely on your property, you are solely responsible for the costs of installation, maintenance, and repair. If the fence is built directly on the property line, both neighbors are typically responsible for the costs. In this case, it is essential to consult with your neighbor beforehand to agree on a plan for payment. While you should always inform your neighbor of your plans in advance, you generally cannot force them to contribute financially unless there are specific local laws, such as in California, where both parties might be responsible for costs unless a different agreement exists. It's a good idea to get a property line survey to know the exact boundaries before building.

Planting greenery on a fence can help achieve more privacy, whether it’s shrubs along a picket or chain link fence or rolls of faux greenery to help create a solid-colored backdrop beyond the fence line. You can also try adding more lattice or paneling across a fence so that there are fewer places where passing eyeballs can see in.