Could My Fence Affect My Home Insurance?

Most people don't think about insurance when they're choosing a fence. But it can matter more than you'd expect.

Insurers look at whether a homeowner has taken reasonable care. If a fence is non-compliant, falling apart or poorly built, that can become part of the conversation when you make a claim.

Where it comes up

• Pool fences: a barrier that doesn't meet the rules is a serious safety risk, and can create problems if something goes wrong.
• Storm damage: insurers may ask whether a fence was already in poor condition before the storm.
• Pets and injuries: a broken fence that lets a dog out, or sharp edges that hurt someone, can raise liability questions.

How to protect yourself

1. Use a licensed, insured contractor.
2. Make sure pool fences are compliant and keep any certification paperwork.
3. Keep your quote, invoice and photos of the finished job.
4. Fix damage early rather than letting it get worse.
5. Check your own policy, and ask your insurer if you're unsure what's covered.

Our approach

We're QBCC licensed and insured, and we'll give you the paperwork you need for your records.

Want a fence built properly from the start? Call us on 07 2141 7748 or request a free quote.

This article is general information only. Every insurance policy is different, so check your own policy or speak with your insurer.