Does Home Insurance Cover Garden Walls? Full Breakdown You Need Now
Does home insurance cover garden walls? This is one of the most common questions homeowners ask, especially after experiencing weather damage, vandalism, or accidental impact. The short answer is yes, but with conditions. Most standard home insurance policies include coverage for detached structures under a section known as “Other Structures Coverage,” which can apply to garden walls. However, not all damages qualify, and exclusions do exist—so it’s important to understand your specific policy in detail.
Does home insurance cover garden walls in case of a storm, fire, or vandalism? Generally, yes. If your garden wall is damaged due to a covered peril such as wind, hail, falling trees, or even vehicle impact, your insurance may pay for repairs or replacement—up to a certain limit. This limit is usually a percentage of your total dwelling coverage, often around 10%. But wear and tear, poor maintenance, or earth movement like earthquakes and floods may not be included unless you purchase additional coverage.
To be absolutely certain, you need to check the “Other Structures” portion of your home insurance policy. If you’re unsure how your provider treats external structures like fences or garden walls, it’s best to call them directly and ask, “Does home insurance cover garden walls under my current policy?” This single step can save you from massive out-of-pocket costs in the future and ensure your beautiful landscaping isn’t left unprotected.
Does Home Insurance Cover Garden Walls?
Yes, most standard home insurance policies can cover garden walls—but only under specific circumstances. Garden walls typically fall under the “Other Structures” section of your homeowner’s insurance policy, which also includes fences, sheds, driveways, and gazebos. However, coverage depends on how the wall was damaged and how your insurance provider classifies it.
What Is ‘Other Structures Coverage’?
“Other structures” refers to any built structure on your property that is not attached to the main dwelling.
This includes:
- Detached garages
- Tool sheds
- Fences
- Pergolas
- And yes, garden walls
Your insurer will usually allocate a certain percentage (often 10%) of your dwelling coverage to other structures.
Situations Where Garden Walls Are Covered
Here’s when your garden wall is likely covered by your home insurance:
- Storm damage from wind, hail, or falling trees
- Accidental impact, like a vehicle hitting the wall
- Vandalism
- Fire or explosion
- Weight of ice or snow
In these cases, your insurer may cover repairs or replacement costs, minus your deductible.
When Garden Walls Are NOT Covered
Unfortunately, home insurance doesn’t cover everything. Your garden wall won’t be covered in cases like:
- Wear and tear or neglect
- Poor construction or improper materials
- Earth movement (like earthquakes or sinkholes) unless you have a rider
- Flood damage (unless you have flood insurance)
So, if your wall crumbles due to age, you’re on your own unless you have specific coverage.
How to Check Your Current Policy
To find out if your garden wall is covered, locate the “Other Structures” section of your homeowner’s policy. Look for:
- Percentage of coverage
- What types of damage are listed
- Any exclusions for outdoor structures
If you’re unsure, call your insurer and ask directly, “Does home insurance cover garden walls in my policy?”
Factors That Affect Garden Wall Coverage
Several things can impact whether your wall is covered:
- Location (High-risk weather areas may reduce coverage)
- Wall material (Cheaper materials may not be fully reimbursed)
- Age of structure (Older walls may not qualify)
- Security features (Walls with lighting or surveillance may reduce risk)
Weather-Related Damage and Garden Walls
Severe weather is a top cause of garden wall damage. Luckily, most home insurance covers:
- Windstorms
- Hail
- Lightning
- Ice and snow buildup
However, floods and earthquakes are not covered by standard policies. If you live in a high-risk area, consider buying additional coverage.
Vandalism or Theft—Are You Covered?
Yes, many policies cover intentional damage such as graffiti, chipping, or vandalism. If someone steals parts of a decorative garden wall, you may also be covered—but check for limits.
Pro tip: Always file a police report to support your claim.
Does Liability Insurance Cover Garden Walls?
Liability insurance helps if someone is injured because of your garden wall, like if it collapses and injures a neighbor or visitor. This is separate from repair coverage and can save you thousands in lawsuits.
How Much Coverage Can You Expect?
Most home insurance offers 10% of your dwelling coverage for other structures.
So, if your home is insured for $300,000:
- Your garden walls and other structures = $30,000 max
Make sure this amount is enough to rebuild or repair your wall if damaged.
How to Increase Coverage for Garden Walls
If you’ve got an elaborate or custom-built wall, you might need more protection than your basic plan provides.
Consider:
- Increasing the percentage of other structures coverage
- Adding endorsements or riders
- Purchasing umbrella insurance for extra liability protection
What If Your Garden Wall Is Shared With a Neighbor?
Good question! If the wall sits on the property line, coverage might get tricky.
- Talk with your neighbor about maintenance responsibility.
- Check both insurance policies to see how shared structures are treated.
- Agree in writing who will file a claim if damage happens.
Filing a Claim for Garden Wall Damage
When filing a claim:
- Take photos of the damage
- Get an estimate from a contractor
- Contact your insurer and explain the situation
- Submit receipts and paperwork
Expect an adjuster to visit the site and assess the damage.
Should You Add Endorsements for Full Protection?
Yes—especially if your garden wall is expensive or unique.
Endorsements you might need:
- Earthquake insurance
- Flood insurance
- Increased limits for detached structures
Tips to Keep Garden Walls Safe and Covered
- Inspect walls regularly for cracks or leaning
- Seal masonry to prevent moisture damage
- Trim trees to avoid root and impact damage
- Install lighting or cameras to prevent vandalism
Being proactive can help reduce risk and keep your insurance valid.
Conclusion (Does Home Insurance Cover Garden Walls)
So, does home insurance cover garden walls? Yes, but with conditions. Coverage depends on your specific policy and how the damage occurred. The best way to protect your garden walls is to:
- Know your policy
- Increase limits if needed
- Add coverage for floods or earthquakes
Make sure your insurance works for you, not against you, when the unexpected happens.
FAQs (Does Home Insurance Cover Garden Walls)
Can I insure only my garden wall separately?
Not typically, but you can increase “other structures” coverage or add a specific rider for it.
What if my wall falls due to tree roots?
That’s usually not covered unless the roots are from a neighbor’s tree and you can prove negligence.
How much does it cost to repair a garden wall?
It depends on size and material, but expect anywhere from $500 to $5,000+.
Is graffiti on my garden wall covered?
Yes, most policies cover vandalism, but you’ll need a police report.
Will filing a garden wall claim raise my premiums?
It could—any claim has the potential to impact your rates.
