Jane Dotson
AAA homeowners insurance offers a range of coverage options to protect your home, belongings, and personal liability. While the specific details of what is covered by your insurance may vary depending on your location and the specifics of your policy, fences on your property are generally covered under the other structures coverage in your home insurance policy. This means that damage to your fence caused by storms, vandalism, or a fallen tree will likely be covered, while damage caused by a lawnmower, landscaping accident, or natural wear and tear may not be. It is important to note that AAA home insurance is only available to those with an existing AAA membership or auto insurance policy, and it may not be the best choice for those prioritizing customer service.
| Characteristics | Values |
|---|---|
| Fence coverage | Covered under "other structures" |
| Fence coverage limit | Typically 10% of the policy's total coverage |
| Types of damage covered | Storms, vandalism, windstorms, floods, earthquakes |
| Types of damage not covered | Lawnmowers, landscaping accidents, natural wear and tear, improper landscaping |
| Additional coverages | Water backup coverage, building code coverage, identity theft coverage, liability coverage, loss of use coverage |
| Discounts | Available for bundling with auto insurance or an existing AAA membership |
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What You'll Learn
Fences covered under 'other structures'
AAA homeowners insurance offers coverage for fences on your property through the "'other structures' coverage" in your home insurance policy. This means that fences are considered separately from the main dwelling and are covered up to a certain percentage of the policy's total coverage, typically 10%. This coverage includes damage caused by storms, vandalism, or other specified perils listed in the policy.
The "other structures" coverage is designed to protect detached structures on your property that are not connected to your home. This includes fences, as well as detached garages, storage sheds, and gazebos. This coverage is intended to provide financial protection in the event of unexpected damage or loss to these structures.
While the "other structures" coverage in AAA homeowners insurance does include fences, it's important to note that not all types of damage are covered. For example, damage caused by flooding, earthquakes, or natural wear and tear is typically excluded from basic coverage. Additionally, damage caused by landscaping accidents, such as a lawnmower or improper landscaping, is generally not covered under the "other structures" policy.
To ensure that your fence is adequately protected, it's essential to review your AAA homeowners insurance policy carefully. Understand the specific perils covered and excluded in your policy, as well as the coverage limits and deductibles associated with fence repairs or replacements. If necessary, consider adding extra coverage or endorsements to your policy to extend protection to your fence in the event of specific types of damage.
Additionally, it's worth noting that the land itself around your home is usually not covered by your home insurance policy. If a tree falls and damages a covered structure, such as your fence, your insurance will typically pay for the removal and repair of the structure. However, if the fallen tree does not damage any structures, your insurance may not cover the cost of tree removal.
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Storm damage covered
Storm damage to fences is typically covered by homeowners' insurance policies. However, it is important to note that coverage may vary depending on the specific policy and the cause of the storm damage. For example, some policies may exclude wind damage from coverage, especially in coastal areas prone to hurricanes or strong winds.
If a tree falls on your fence during a storm, your insurance policy will likely cover the damage. This applies regardless of whether the tree was on your property or your neighbour's, as long as it was not due to negligence in tree maintenance. If your neighbour's tree was diseased or damaged, and fell on your fence during a storm, their homeowners' insurance might cover the damage.
In the case of wind damage, most policies will cover fence damage up to a certain percentage of the policy's total coverage, typically around 10%. It is important to review your policy specifics or consult with an agent to determine the exact coverage and whether wind damage is excluded in certain circumstances.
To file a claim for storm damage to your fence, you should contact your insurance agent or company as soon as possible. They will guide you through the process, which may include providing receipts from fence installation and taking pictures of the damage. It is recommended to take photos and record the time of the incident before removing any debris.
In summary, storm damage to fences is generally covered by homeowners' insurance, but it is important to review your specific policy and understand any exclusions or limitations that may apply. By taking the appropriate steps and contacting your insurance provider, you can determine the coverage available for repairing or replacing your fence after storm damage.
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Vandalism covered
Vandalism is usually covered by standard homeowners insurance policies. This includes damage to your fence caused by another party, such as graffiti or purposeful destruction. If your fence is vandalised, you should contact the police and obtain a copy of the police report to give to your insurance company. You should also take photographs of the damage as proof.
If the damage is covered, your insurance company will pay for the necessary repairs, up to your policy's limits. Most policies cover fence damage up to a particular percentage of the policy's total coverage, typically 10%. For example, if you have $200,000 of coverage on your home, the insurance company will reimburse a maximum of $20,000 for "other structures", including fences.
It's important to note that if you live in a coastal area prone to hurricanes, your policy might exclude wind damage to fences from named weather events. Additionally, if your fence is damaged by a tree, your insurance company may only cover the damage if the tree fell due to a covered loss, such as a windstorm. If the tree was already weak from lack of maintenance or negligence, they may choose not to cover the damage.
To determine if your fence vandalism is covered by your homeowners insurance, review your policy specifics or consult an agent. Filing a claim for damage to a fence typically requires documenting the damage and contacting your insurance provider.
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Flood and earthquake damage not covered
AAA homeowners insurance covers fences on your property through the "'other structures' coverage" in your home insurance policy. This includes detached garages, storage sheds, and fencing. However, it is important to note that flood and earthquake damage is typically not covered by homeowners insurance policies, including AAA's.
While AAA's homeowners insurance provides coverage for a wide range of issues, there are certain exclusions. Flood and earthquake damage are among the most significant exclusions. If your fence is damaged or destroyed due to flooding or an earthquake, it will not be covered under the basic AAA homeowners insurance policy.
Basic homeowners insurance typically excludes coverage for natural disasters such as floods and earthquakes. These events can cause extensive damage to fences and other structures on your property. Therefore, if you live in an area prone to flooding or earthquakes, it is essential to consider purchasing additional coverage.
Flood insurance can be obtained separately, providing protection for your home and belongings in the event of flooding. This type of coverage is particularly important if your home is located in a flood-prone region, as it can help cover the costs of repairs or replacement of your fence and other damaged structures.
Similarly, if you reside close to a fault line or in an area susceptible to earthquakes, investing in earthquake coverage is advisable. This specialized insurance will safeguard your property, including your fence, in the event of earthquake-induced damage.
It is worth noting that AAA homeowners insurance offers a range of policy add-ons and discount opportunities. Consulting with a AAA agent can help you determine the best options for your specific needs, ensuring that your fence and property are adequately protected in the event of unforeseen circumstances, including floods and earthquakes.
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Fence damage by landscaping not covered
AAA homeowners insurance covers fences on your property through the "'other structures' coverage" in your home insurance policy. This includes detached garages, storage sheds, and fencing. However, it is important to note that fence damage caused by landscaping is typically not covered by homeowners insurance policies, including AAA's.
While AAA homeowners insurance provides coverage for a range of issues, there are certain exclusions. Fence damage caused by improper landscaping or a landscaping accident is generally excluded from coverage. This means that if your fence is damaged due to landscaping activities, such as improper fence installation, operating heavy machinery, or tree removal, it will not be covered by your AAA homeowners insurance policy.
In the context of landscaping, it is essential to understand the specific circumstances that led to the fence damage. For example, if a tree falls and damages your fence during landscaping work, the damage may be covered if the tree also damaged a covered structure on your property. However, if the fallen tree did not damage any other structures, your insurance policy may not cover the fence repair or replacement.
Additionally, standard homeowners insurance policies, including AAA's, typically exclude coverage for natural disasters such as flooding and earthquakes. As such, if your fence is damaged by a flood or earthquake, even if it is indirectly related to landscaping activities, it will not be covered. To obtain coverage for these types of events, separate flood insurance or earthquake insurance may be necessary.
It is always advisable to carefully review your specific AAA homeowners insurance policy to understand the inclusions and exclusions. While landscaping damage to your fence may not be covered, other types of fence damage, such as that caused by storms, vandalism, or fire, may be included in your policy. By understanding the specifics of your coverage, you can make informed decisions about any necessary repairs or additional coverage options.
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Frequently asked questions
Yes, AAA homeowners insurance covers fences on your property through the "'other structures' coverage" in your home insurance policy.
Other structures coverage pays to repair or rebuild other structures on your property not connected to your home, including detached garages, storage sheds, and fencing.
AAA homeowners insurance policies include six standard coverages: dwelling coverage, other structures coverage, personal property coverage, loss of use coverage, personal liability coverage, and medical payments coverage.
Some things that are typically not covered by homeowners insurance include ordinance law, water damage from flooding or backup, building code issues, identity theft, and natural wear and tear. Additionally, if your home is at high risk from a specific peril, such as earthquakes or termites, you may need to purchase separate coverage for those risks.
