Is the pool fence covered by home insurance?
That’s a good question. How do insurance companies determine what is covered and what isn’t? First of all, insurance is for “sudden and accidental loss”. If the loss could have been foreseen and therefore avoided, its usually not covered. It also can not be intentional. I.E. stain on the carpet not covered. Lightning strike is covered. Many people have difficulty understanding the difference between a warranty and insurance. Secondly, most HO policies nowadays will cover any sudden and accidental loss, unless that type of peril was specifically excluded from the policy. I.E. most policies now exclude acts of terrorism. So with that in mind, your policy will not replace your fence because it was not sudden and accidental. I highly recommend taking a closer look at your policy to see what else is excluded. If any of those exclusions make you nervous, call your insurance agent.
