Homeowners insurance protects you financially if your property is broken or someone has an accident while visiting you. Raising your deductible, installing a home alarm and using the same company for home and auto coverage lower your insurance costs. A fence might reduce your homeowners’ premium, too.
1. 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 due to this security measure.
2. Protect Your Pool or Bathtub
Because they’re a security hazard, fence in your pool or bathtub. the simplest fences meet pool codes for your municipality and:
- Must be a minimum of four feet high
- Include but a 2” gap between the ground and the bottom of the fence
- Cannot be climbed from the surface and
- Feature a self-closing gate and child-safe latch.
- Use Sturdy Materials and Proper Installation
To receive the discounts, insurance companies may require that newly installed fencing and gates at your home in Perth meet certain requirements:
Height
A fence must be a minimum of four feet high with less than a two-inch gap between the bottom of the fence and the ground. It must be inbuilt in such a way that it cannot be climbed or scaled.
Fencing Materials and Installation
Choose fencing materials like a chain link, wire and iron. Sturdy materials must be used, like solid wood panels, cement pavers, or brick and mortar. The fence must be properly installed with each post buried underground to an appropriate depth.
Gates and Latches
A self-closing gate is required, also a child-safe latch that is placed out of reach of small children. Self-closing gates protect from intruders and child-safe latches prevent young children from wandering out of the yard.
Visibility
Although it’s not specified in most policies as a requirement, reducing the visibility into the lawn is additionally the key to preventing loss. people that can see into the property are better able to tell if you are on vacation or if you have bought new items. Reducing visibility also will prevent predators from viewing your family during gatherings.
You can choose from dozens of fencing materials, including wood, vinyl and chain link. If the fence isn’t made up of 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 put in your fence, take pictures of it. Your insurance firm 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 structure that expense as you prevent accidents, protect your property and save on your homeowners’ insurance premiums.
Fencing is usually thought of as a way to protect a family’s privacy. It also protects the property from intruders by offering A level of security that many insurance companies appreciate. Because a fence can reduce the danger of financial loss, many insurance companies will offer their policy-holders discounted rates.
Fencing Experts 