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Home insurance policies may cover fencing repair and replacement costs if the damage is caused by covered causes of loss, such as a storm, fire, or vandalism. However, natural wear and tear and damage caused by owner negligence and insufficient maintenance are not covered. The same goes for damage caused by improper installation.

A fence post set in concrete lasts anywhere from five to over 25 years, depending on how well the concrete was applied and the fence post’s material. Untreated wood posts in concrete could last less than 10 years, but a durable, treated wood set in properly applied concrete could last a few decades. However, all fence posts will wear out eventually, so expect to need to replace your fence post every five to 15 years.

The most durable metal for a fence is wrought iron. With proper care, a wrought iron fence can last for centuries. This means regular resealing to stave off rust and corrosion, especially in coastal climates with salty sea air. In these environments, chain link and corrugated fencing tend to stand up better to the elements with fewer maintenance needs.

In the vast majority of cases, chain-link fences are less expensive than wood fences. Installing a wood fence costs anywhere from 20% to 30% more than a chain-link fence, or an average of $3,100, whereas a similarly sized chain-link fence will average around $2,400. Even with add-ons and additional protective finishes, a chain-link fence is very likely to cost you less than a wood fence. The only exception would be a split rail wood fence, which can cost about half the price of a chain-link fence or less.