If you have a structure on your property that isn't connected to your home and doesn't qualify as part of your home, such as a separate garage, fence, or shed, it's probably not protected by housing coverage. However, if the fence is attached to your house, it will be considered part of the building and will be covered by the “housing” section of your policy. You should make sure that the housing limit on your policy reflects not only the value of your home, but also that of the fence. For example, let's say your house catches fire and the fire spreads to your outdoor structures, including a fence. Your home insurance policy will cover damage to your fence that results from a covered incident, also known as a hazard.
Not only would your homeowners insurance cover damage to the home itself, but it would also cover damage to the fence. For example, there is a separate wooden privacy fence between my residence and those of my next door neighbor. When talking to an insurance guru I know in Florida, some policies cover damage to freestanding fences, while others don't. Therefore, at least in Texas (and perhaps other states), under comparable facts and circumstances, a fence attached to a home is Coverage A when a precedent-setting court case so indicates.
If your fence has been damaged by a natural disaster or other covered hazard, you'll need to file a claim with your home insurance provider to receive reimbursement. Therefore, if you have a garage building that is separate from the house, but connected by a fence attached to both the house and the garage building, this makes it clear that the garage building is a B roof structure because it is only joined by a fence. The part of your home insurance policy that covers damage to the fence is different from the part that covers damage to your home. Let's say the wooden privacy fence between my neighbor and me is on your property and attached to your house at one end. Suppose the fence starts an inch from my house and, in order to stabilize it, I somehow place it in my house.
