Yes, cover for fences is included in our home and landlord insurance policies, depending on the damage. For example, if your wooden fence is blown over in a storm, this could be covered by your insurance as it happened suddenly, but if your wooden fence fell because it has been gradually rotting over time, then this might not be covered by insurance.
It’s important to note that any fences that are shared with a neighbouring property may be the joint responsibility of you and the other property owner(s). If this type of fence is damaged, there is no cover provided for the neighbouring property owner’s share of the fence.
You can find the full details of what you’re covered for in our policy document, under the section 'What you are covered for'.