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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.

Vinyl or PVC fences offer low-maintenance features, weather resistance, and diverse style options, ideal for security and privacy without extensive upkeep.

Moisture and rot are the largest threat to wooden fences. Stain can help your wood fence last 15 to 20 years, but only if you choose a stain with waterproofing qualities or add a sealant. Oil-based stains create a thicker moisture barrier than water-based stains, though both are mold and mildew resistant. You’ll generally need to re-stain your fence every one to eight years to get full protection.

If you don’t have a pressure washer or simply don’t want to lug it out of storage, you can spot-clean your wood fence with a garden hose instead. Apply your mild detergent with a soft cloth, scrub with a broom or other soft-bristled brush, and rinse with a garden hose.