Published 12 May 2025
Which side of the fence do I own?
Published 12 May 2025
Fences and boundaries can be a little confusing, so we’re here to explain how to find out who’s responsible for sorting out a damaged fence…
- How do I know which side of the fence is mine?
- Who’s responsible for maintaining a fence?
- Common misconceptions about fences and boundaries
How do I know which side of the fence is mine?
The easiest way to find out is by checking the title deed plans of your home. On the plans, if you’re the owner of the boundary then this is usually shown by a T mark on the deed plan. Sometimes you’ll come across an H shape rather than a T on the title deed - this can mean both you and your neighbour have joint ownership and responsibility over the fence.
If it doesn’t say on the deed on who owns the fence, then it can be harder to work out ownership. You can always check the land registry website for historical documents, but this won’t always guarantee proof of ownership either.
Who’s responsible for fixing a fence?
Whoever is the legal owner of the fence has the legal rights to maintain the fence, but is not obliged to. For example, if your neighbour has responsibility over a fence which has started to deteriorate and become unsightly, this can often lead to disputes between neighbours – but technically, there’s no legal obligation to fix it. Try having conversations with them about having the fence repaired or replaced. For ongoing boundary disputes, your Allianz Home Insurance offers Home Legal cover, which could help you.
Common misconceptions about fences and boundaries
1. There’s no one size fits all approach to fence ownership or boundaries.
2. If the fence posts are in your garden, it doesn’t automatically make you the person responsible for it.
3. Despite a neighbour’s fence being visible from your property, you can’t fix or repaint it without their permission first.
4. Always check your policy wording for details but usually fences are not covered for impact or storm damage by your home insurance.
Checking who owns your fence can be tricky so, make sure you always speak to your neighbour before doing any work to their fences such as repairs or repainting.
For more on Allianz home insurance, visit us on Home Insurance.
