Does Home Insurance Cover Windows?

  1. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    A homeowner’s policy normally covers broken windows.  This coverage is removed when a residence is vacant or abandoned.  As long as the damage to the windows is one of the perils that the policy covers, a claim would be honored.  The claim would be subject to the deductible which may reduce recovery on a broken window quite a bit.
    Answered on May 27, 2014
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  2. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    If your window is damaged or broken and it is caused by a covered peril in your policy, then yes, you will have coverage, of course subject to your deductible.  Keep in mind that you need to be residing in your home at the time that the damage occurred.  If your home is vacant, there would be no such coverage.
    Answered on May 27, 2014
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