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The cost to build a fence is about $3,100 on average, but you could pay anywhere from $400 to $13,700 or more. Your cost will depend on the length, height, and materials for the fence. If you hire a professional installer, labor costs typically represent about half of the total cost of the project. This means you potentially can save quite a bit of money doing the work yourself.

If the fence is on one neighbor’s property, that person is responsible for repairs, regardless of who benefits from the fence more. The other neighbor must keep trees and other obstacles from crossing the property line and affecting the fence. If the fence is directly on the property line, though, who owns a shared fence? Many states have laws that address this issue. Typically, the two property owners would share responsibilities and costs for fence maintenance and repair. You may need a property line survey to precisely determine ownership and responsibility.

On most untreated wood fences, there is no need to sand before treating. You typically only need to sand if there’s an old coat of paint or stain on your fence. If you do need to sand off a previous paint or protective coating (like an old stain or sealant), use medium-grit sandpaper.

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.