An insured backs his own pickup into the fence at the described location. Under the vehicles peril the damage to the fence is:

Giải thích

The vehicles peril does not pay for damage to fences, driveways, or walks caused by a vehicle owned or operated by someone living at the described location, so the owner's own pickup puts this loss outside the peril. A fence is covered property as another structure; it is the identity of the driver that removes the coverage. The deductible never becomes the issue here.