Does Homeowners Insurance Cover Broken Glass?
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaUnless the home is vacant, the homeowner’s policy covers glass damaged by the “named perils.” On most policies that means the company will cover almost any damage. The claim will be adjusted with the company paying an amount above the deductible for the policy. If the damage is incidental contact your insurance agent before you file a claim.Answered on May 9, 2014flag this answer.png)
1844 POINTSview profileDavid W. ClausenChief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778The answer depends on what happened to the glass. Was it broken by wind/fire/hail? If so, it would be covered under a standard HO policy assuming the home was occupied. If it was intentionally broken by the homeowner it would not be covered because insurance policies exclude intentional acts. Keep in mind that you would be subject to your policy deductible. It may not make sense to put a claim in for something small like a broken window or screen door because you could experience increased insurance costs for making a claim. I would speak with your independent insurance agent and discuss the best way to proceed given your situation. Typically, I like to reserve using your home insurance for a catastrophic event like a hurricane, major fire or damaging storm. Hope this answer helps.Answered on October 5, 2015flag this answer
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