Homeowner's insurance policies typically cover damages to fences that are considered part of the property. However, the coverage may vary depending on the specific policy and the cause of the damage. For example, if the fence is damaged due to a covered peril such as a storm, fire, or vandalism, it may be covered by the insurance. However, if the damage is due to neglect or lack of maintenance, it may not be covered. It's important to review your policy with your insurance agent to understand the specifics of your coverage and any exclusions that may apply. Additionally, if you have a fence that is shared with a neighbor, you may need to discuss coverage with them as well, as both parties may be responsible for repairs and maintenance. In some cases, it might be worth considering a separate fence insurance policy to cover any potential damages or liabilities.