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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.

A setback is an area of space between your fence and the property line, meaning you build a fence a few inches before your neighbor’s property begins. You can build your fence on a setback—some communities recommend this—but this means a sliver of your property will be on your neighbor’s side of your fence.

Wood, vinyl, chain link, and aluminum are common materials. Choose based on durability, maintenance needs, and aesthetics.

This depends mainly on how well the posts were installed and what type of wood was used to build the gate in the first place. Softwoods have a life expectancy of up to 15 years but can last slightly longer with regular maintenance and waterproofing treatments. By contrast, hardwoods can last up to 30 years with little care, so you may avoid costly replacements by spending a little more upfront.