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You can use pressure-treated wood for a horizontal fence, but you’ll need to purchase a thicker and higher-quality variety to ensure it doesn’t sag or warp after you install it. Use #2 pine grade lumber and boards and thicker dimensional lumber, such as a two-by-six. You’ll also need to use stainless steel or hot-dipped galvanized fasteners, as the chemicals in the treated lumber will cause regular galvanized fasteners to rust. 

A wrought iron fence is generally considered a worthwhile investment, provided the cost fits your budget and its characteristics meet your needs. While it is an expensive material, its exceptional durability and longevity mean you can save money over time by not having to replace it.

Key benefits include:

• Durability and Security: Wrought iron is strong and provides excellent security for your home.

• Longevity: With proper maintenance, it can last a lifetime or longer.

• Aesthetics: It offers a classy, timeless, and elegant look that can boost your home's curb appeal and property value, especially when complementing brick or stone architecture.

However, it's important to note that wrought iron fencing does not offer much privacy. If professionally installed and maintained, it is a sound long-term investment.

The best under-gate dog barrier is one that extends to the ground. This effectively keeps dogs in and won't give them room to squeeze through. However, dogs that dig can still get under the barrier. Deter digging by paving the ground beneath the gate or filling it in with rocks or gravel. Be careful using wire to extend dog gates, as the sharp ends may cut or hurt your dog's paws.

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.