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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.

Most homeowners don't need to inform their neighbors before constructing a fence, according to the law, but you will need to make sure that you’re building on the property line or on your side of the property line. Otherwise, the neighbor could complain, which would require you to tear down and reinstall the fence. In any case, keeping them in the loop is the neighborly thing to do!

Whether you inform your neighbors or not, always use property records and a land survey to ensure your fence stays within your property boundaries.

You'll pay less on average for the cost of a wooden fence compared to aluminum. However, the price highly depends on the type of wood, the fence design, and extra additions like gates and coats of paint. For example, you may pay less to install an aluminum fence since the panels anchor in the ground, whereas wood fences often take longer to construct, especially picket fences.

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.