What should I do if a window in my home is damaged?
A broken window is a real hassle: it makes it very easy for burglars to get into your home, and it can also make your house extremely cold. But unfortunately, accidents happen, so it could easily happen to you that a window breaks. That’s why it’s good to know how this works from an insurance perspective.
Is it possible to insure the windows of my house?
Glass is not automatically covered by most insurers. However, it is often possible to include coverage for window damage to your home as supplemental coverage or as an add-on to your home insurance policy.
Can I purchase glass coverage as supplemental coverage?
You can purchase glass insurance as supplemental coverage or as an add-on to yourhome insurance policy. With most insurers, glass is not automatically included in the standard coverage. Most policy terms and conditions specify that coverage applies only to glass intended to let in natural light, such as a window or a door. A broken aquarium or mirror is not covered.
Be aware that certain types of windows, such as stained-glass windows, may be treated differently. Whether these are covered under your glass insurance policy varies by insurer. This is specified in the policy terms and conditions.
What about if I rent my home?
The landlord will specify in the lease agreement what is expected of you in terms of insurance. In most cases, the landlord includes an amount for insurance in the rent, but this does not always cover glass damage. So be sure to check your lease agreement carefully and take action if necessary.
If you live in a rental home rather than a home you own, different conditions may apply. If a window in your rental home is damaged, it’s best to contact your landlord right away. The landlord usually includes an amount for insurance in the rent. Check your lease carefully to see if window damage to the home is covered. If it’s not clear, ask your landlord to avoid confusion and extra costs.
What if I accidentally break my neighbor's window?
Since you caused the damage, your neighbor can hold you liable for it. If you have liability insurance, you can file a claim with your insurer for this damage.
What if the house is vacant or if I'm renovating?
If your home becomes vacant (for example, because you’re moving), your glass insurance may no longer provide coverage. In practice, windows in vacant homes are more likely to be smashed and vandalized than those in occupied homes. In many cases, the insurer will want to limit its liability and exclude damage to a vacant home.
Are you planning to renovate? Of course, you’ll need to be extra careful, but you should also check the terms and conditions of your insurance policy. Because the risk of damage is higher during a renovation, some insurers have excluded this from their coverage in order to limit their liability.
Always notify your insurer of changes like these in your living situation in a timely manner so that you are aware of the consequences.
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