Can Fencing Reduce Your Homeowners Insurance Cost?

Close board fencing panels

Can Fencing Reduce Your Homeowners Insurance Cost?

Homeowners insurance protects you financially if your property is damaged or someone has an accident while visiting you. Raising your deductible, installing a home alarm system and using the same company for home and auto coverage lower your insurance costs. A fence might reduce your homeowners insurance premium, too.
Reduce Vandalism and Burglary Risk

Build a sturdy fence around your property, and vandals or burglars are less likely to enter your home. Your insurance costs could go down because of this security measure.

Protect Your Pool or Hot Tub

Because they’re a safety hazard, fence in your pool or hot tub. The best fences meet pool codes for your municipality and:

  • ● Must be at least four feet high
  • ● Include less than a 2” gap between the ground and the bottom of the fence
  • ● Cannot be climbed from the outside and
  • ● Feature a self-closing gate and child-safe latch.
  • ● Use Sturdy Materials and Proper Installation

You can choose from dozens of fencing materials, including wood, vinyl and chain link. If the fence isn’t made from sturdy materials and properly installed, however, it won’t withstand intruders and other potential property damages. Since it’s ineffective, the fence won’t be eligible for any insurance discounts.

Document Your Fence

Once you install your fence, take pictures of it. Your insurance company might want to see proof that you have a reliable fence in place before they lower your premium.

You will need to invest money to install a perimeter fence. However, you’ll easily make up that expense as you prevent accidents, protect your property and save on your homeowners insurance premiums.

Call L & C Fence & Gate and let our experts help you choose the fence or gate that you need. You can reach us at 214-823-3623 or use the contact form on our site.

 

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