Whether you need a permit to build or install a fence depends on several factors, including your location, the fence's height, its placement in your yard, and the materials used. In many cities and highly populated areas, a permit is required, especially for fences taller than 6 feet. Conversely, rural areas may have fewer restrictions. Typically, backyard privacy fences 6 feet or shorter do not require a permit, while front yard fences often have a lower height limit, sometimes as low as 3.5 feet. There can also be exceptions for properties in mixed residential-commercial zones. It's best to check with your local building inspection or zoning department to understand the specific requirements, height restrictions, and location rules for your area. A professional fence installer can help you navigate this process and often secure the necessary permits for you, though this may extend the project timeline.

To choose where to add a fence gate, know where fence gates shouldn’t go. For example, you should avoid placing gates over low spots on the ground where water can collect and form muddy puddles. Many ranchers install gates at the corner of a fence. Certain gate placements may also be required depending on the type of gate latch you use.

In terms of materials, chicken wire mesh will be the most inexpensive option to use when building your fence. The downside is that it’s not the most attractive garden fence option. In a similar vein, you could choose a DIY fence made out of repurposed items, like car tires, or wooden pallets, either of which would be free to collect. 

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.