Does Home Insurance Cover Fence Damages?

Does Home Insurance Cover Fence Damage in UAE? Find Out Now

The answer depends on the specifics of your policy. However, in general, if your fence or boundary wall is included in the insured value of your villa, it is likely covered.
With that said, there are still several important conditions, exclusions, and scenarios that affect coverage. To understand the coverage better, let’s explore various situations where your insurance may or may not cover fence damage and what you can do to get proper protection.

Scenario 1: Fence Damaged Due to a Natural Disaster

Natural calamities such as storms, lightning, or strong winds can damage fences by knocking them down or weakening their structure. 

For instance, if a strong windstorm blows through your neighbourhood and knocks over your fence, your policy may cover the repair costs. However, some insurers have exclusions for specific weather events, so it’s essential to check your policy.

How to Proceed with a Claim?

1. Take clear photos of the damaged fence
2. Gather weather reports as proof that the damage was caused by a storm
3. Report the incident to your insurer immediately
4. Make sure that you have maintained the fence properly — insurers may deny claims for damages due to negligence

 

Scenario 2: Fence Damaged by a Falling Tree or Debris

A tree falling on your fence is a common cause of damage, especially during heavy storms or landscaping accidents. Most home insurance policies in the UAE cover such incidents but the source of the tree matters.

For instance, if a tree from your neighbour’s yard falls on your fence due to strong winds, your insurer may cover the repair costs. However, if the tree was in your own compound and already dead or in poor condition before falling, the claim might be denied due to negligence.

How to Get Coverage?

1. Keep trees near your fence well-maintained
2. If you notice a weak or dead tree near your property, inform your neighbour or request its removal
3. Report the damage to your insurer with photos and any relevant evidence

Scenario 3: Vandalism or Intentional Damage to Your Fence

If someone deliberately damages your fence — whether by graffiti, breaking sections, or other means — your home insurance policy may cover the costs of repairs. However, you must report the incident to the police and your insurer to file a claim.

For example, if someone spray-paints your villa’s boundary wall, you can claim the cost of repainting or restoring it. Make sure to document the damage and obtain a police report before contacting your insurer.

Steps to Take in Case of Vandalism

1. Call the police and report the incident
2. Take photos of the damage for evidence
3. Contact your insurance provider with the police report and other necessary documentation

Scenario 4: A Vehicle Crashes Into Your Fence

Fences can also be damaged by accidents. For instance, a car may crash into your boundary wall or fence. Whether it’s a reckless driver or an accident caused by poor weather conditions, household insurance policies usually cover such incidents.

For example, if a driver loses control of their car and crashes into your fence, you can claim the repair costs from either your home insurance or the driver's car insurance. If the driver is identified, their motor insurance should ideally cover the damages. However, if the driver flees or lacks insurance, your own policy may step in.

What Should You Do?

1. Call the police and report the accident
2. Get the details of the driver and their insurance (if applicable)
3. Take photos of the damage and obtain a copy of the police report
4. Contact your insurer to file a claim

When Does Home Insurance NOT Cover Fence Damages?

While home insurance policies provide coverage for specific events, there are cases where claims for fence damages might be denied —  If your fence deteriorates over time due to ageing, weather exposure, or lack of maintenance, insurance will not cover the repair or replacement. For this reason, regular upkeep is essential.  If your fence was already in bad condition before an incident, your insurer might reject your claim. Neglecting to repair minor damages can lead to major problems that may not be covered.

How to Get Home Insurance with Fence Damages Coverage in the UAE?

Getting home insurance with fence damage coverage in the UAE is quite easy through platforms like Policybazaar.ae. 

Policybazaar UAE is a leading online insurance aggregator in the UAE, offering a user-friendly interface to compare and purchase various insurance products. It collaborates with top insurers to provide a range of policies tailored to diverse needs so that homeowners can find comprehensive coverage options.

To get the best policy via Policybazaar.ae, follow these steps — 

1. Access the Home Insurance Section on Policybazaar.ae: On the homepage, locate and click on the 'Home Insurance' icon to explore available plans
2. Complete the Lead Form: Fill out the form with accurate details about your property and personal information
3. Compare Quotes: After submitting the form, you'll be presented with a list of home insurance quotes from various providers
4. Select the Best Plan: Review the options, focusing on policies that explicitly include coverage for external structures like fences, and choose the plan that best suits your requirements

Choose the Best Home Insurance Plan Today

Home insurance in the UAE can cover fence damages, but it depends on the terms of your policy. If the insured value of your villa includes the boundary wall, you are likely to be covered against damages caused by storms, vandalism, accidents, or falling trees. However, normal wear and tear or negligence is not covered. 

To get the right coverage, always review your policy and compare options before purchasing. Platforms like Policybazaar.ae make it easy to find comprehensive home insurance plans.