Homeowners insurance provides a financial safety net against a variety of incidents and perils, including broken windows. Still, broken window coverage may vary based on the circumstances surrounding the incident and the details and requirements of your policy.
For example, homeowners insurance generally covers broken windows caused by vandalism, storms, or accidents, although some policies may have exclusions for certain kinds of damage, like broken windows from wear and tear or lack of upkeep. In this article, we’ll make it easy to understand what type of window damage is covered under home insurance policies, and how SelectQuote can help you stay protected against perils.
What types of window damage does homeowners insurance cover?
Whether your home insurance policy covers window damage typically depends on the cause of the incident and the limitations of your coverage. It’s important to keep in mind that you’ll be required to pay your deductible before your carrier will pay, so if the cost to repair the window is less than your deductible amount, the insurance may not cover the expenses. Instead, if the cost of the damage is higher than the deductible, your insurance will take over and pay for any difference in cost beyond the deductible amount.
Here are some examples of broken window incidents that you can expect a standard homeowners insurance policy to cover:
Your Home Has a Break-In: Homeowners insurance typically covers broken window damage resulting from a break-in or vandalism. When a break-in occurs, the damage to windows and entry points is generally considered a covered peril under most standard homeowners insurance policies.
You Experience Bad Weather: Most standard home insurance policies cover damage caused by weather-specific perils like windstorms, hail, and other extreme weather-related events.
You Break Your Neighbor’s Window: Homeowners insurance often includes liability coverage which can help cover the costs of damage you caused on others’ property, including broken windows.
What types of home insurance coverages protect against broken windows?
There are several types of coverage under a standard home insurance policy that can provide financial protection against broken window damage. Depending on the cause and type of damage, your policy’s dwelling coverage, liability coverage, or other structure coverage may cover the broken window:
Dwelling Coverage: This part of a home insurance policy typically covers the house's structure, including windows, against specific perils such as bad weather.
Liability Coverage: A home insurance policy typically protects you when you’re found responsible for damaging someone else's property, including broken windows.
Other Structures Coverage: Other structures coverage, generally protects structures on your property that aren’t attached to your principal dwelling, like a detached garage, shed, or fence. While it primarily covers damages to these structures from specific perils like fire, vandalism, and natural disasters, it may also cover broken window damage under particular circumstances.
Stay Protected Against Perils with SelectQuote
Whether you’re hoping to repair a broken window or are concerned about other potential damage to your home, finding the right homeowners insurance can provide you with the financial protection and peace of mind you need. SelectQuote has nearly 40 years of industry experience helping others like you find their perfect policy, so we can help you, too.
Our licensed insurance agents provide unbiased quotes from several of the nation’s most highly trusted carriers in just minutes. Our proprietary technology allows you to compare your options in one place, making it faster and easier to find the coverage that’s right for you and your home.
