Few things lead to panic like the sound of a broken window. Everyone from a toddler to a senior citizen and all ages in between knows that sound is bad. While a little kid may hear it and think “Someone is in trouble. I hope it isn’t me!” an adult will instead think “Someone is paying for that. I hope it isn’t me!”
If you rent a house or apartment, you may wonder if this is the landlord’s responsibility to fix or
Table of Contents
- When Does Renters Insurance Cover Broken Windows?
- Broken Windows in Your Home
- Broken Windows at Someone Else’s Home
- How to File a Broken Window Claim
Rather than a hard yes or no, the answer to this question is “Maybe.” Renters insurance will cover the cost of a broken window if that window belongs to another person. This is covered under the liability portion of your renters insurance policy.
Broken Windows in Your Home
Let’s say you accidentally break your window while having a party. A particularly rowdy guest breaks your window. Renters insurance will not cover a broken window in your own residence. Renters insurance only covers your personal property, not the home. Damage to the physical structure of the building you live in, which includes a broken window, is covered by your landlord insurance. However, don’t be surprised if you have to cover the cost.
Broken Windows at Someone Else’s Home
On the other hand, let’s say you were playing ball outside and accidentally threw a baseball through a neighbor’s window. As mentioned above, the liability portion of a renters insurance policy pays for the costs and fees associated with claims for which you’re found liable.
They will tell you when they’ve filed a claim with their insurance company. If it’s determined that you’re liable for the damage, your insurance company will reimburse you the cost of the window up to your policy’s limit of liability. This is covered by your personal liability coverage.
How to File a Broken Window Claim
A broken window isn’t going to fix itself. In the same way, an auto insurance policy protects your car and a watercraft insurance policy protects a boat, a renters insurance policy covers renters like you who live in a house or apartment they lease. It is like home insurance, but for a home, you don’t own. The typical renters insurance policy includes coverage that helps to protect you, your personal property, and your living arrangements after a covered loss.
If you feel a broken window is covered by your renters insurance policy, the next thing to do is to file a claim. Pronto makes filing a claim easy to do on our app or on our website. Simply click the “File a Claim” icon at the top of this screen to begin. Contact your insurer and let us know if you have any additional questions! Your insurance agent is always here to help.
FAQs
Broken Windows in Your Home
Does renter insurance cover broken windows? ›
Most standard renters insurance policies do cover damage to your windows. This coverage typically falls under your policy's “perils” or “named perils” section. Commonly covered perils include vandalism, theft, and certain natural disasters like storms or hail.
Does insurance cover faulty windows? ›
As part of your dwelling coverage (Coverage A), windows are “open peril,” meaning you're generally covered for damage unless the cause is explicitly excluded in your policy. Broken windows typically aren't covered if they are the result of gradual events, like rot, wear-and-tear, or a general lack of maintenance.
Does renters insurance cover a broken glass stove top? ›
With most renters insurance policies, you're protected if your stove is damaged by fire, theft or vandalism. However, if it stops working because of an electrical or mechanical failure, you'll only get coverage if you purchased an endorsem*nt, specifically for equipment breakdown.
Does renters insurance cover if you break something? ›
Renters insurance typically covers damage to the policyholder's personal property. This includes coverage for personal belongings such as furniture, clothes, and electronics.
Is the landlord responsible for a cracked windows? ›
In most cases, it is the landlord's responsibility to ensure that any damage to the property is repaired.
Does renters insurance cover damaged electronics? ›
It depends. If your computer is stolen from inside your rental apartment or it's damaged by a fire, your renters insurance may kick in to help pay for a repair or replacement. But if your laptop breaks due to an accident or normal wear and tear, your renters insurance likely won't cover the damage.
Can you replace windows on insurance? ›
Can I claim for new windows on home insurance? The rule of thumb with insurance companies is they won't cover damage that is self-inflicted or caused by neglect. If you've had low-quality windows installed, causing your house to get draughty, replacing them won't be covered by your insurance.
Do windows have a guarantee? ›
All reputable manufacturers and fabricators will offer installation companies warranties that cover specific parts of the windows or doors supplied to them – a promise to repair or replace these parts should a problem develop within a specific period of time after being installed.
What is typically not covered by renters insurance? ›
Flooding, earthquakes and sinkholes are all examples of natural disasters that are not covered by a typical renters insurance policy. All three of these events can easily damage your personal property, so you should buy additional coverage if you think you're at risk.
Whether or not your cracked rear car window replacement cost is covered by insurance depends on several factors, such as: The type of coverage you have. The cause of the damage. Whether or not a collision caused the damage.
Does renters insurance cover a broken dryer? ›
Renters insurance policies generally cover the appliances you bought in the same way they cover your other belongings. You'd file a claim, and the insurance company would get to work.
Which one of the following is not covered by renter's insurance? ›
Items not covered with renters insurance include: Personal property loss that exceeds the coverage limits on your renters insurance policy. Liability situations that exceed the limits on your policy. Damages caused to the structure of the building you are renting (which is covered by your landlord's homeowners policy).
What are the three major parts of a renters insurance policy? ›
Renters insurance has three basic coverage components: personal possessions, liability, and additional living expenses.
What are three ways that renters insurance protects a renter? ›
Your personal property, personal liability, additional living expenses, and guest medical expenses are usually covered under your renters insurance. It typically does not cover earthquakes, floods, bedbugs, mold, or damage to the exterior of the building.
Are windows covered by buildings insurance? ›
Buildings insurance covers the cost to repair damage to the structure of your home. It covers fixtures and fittings, walls, windows, doors and the roof.
Does renters insurance cover shoes? ›
Personal possessions
Depending on your coverage, a renters insurance policy can cover many of your personal belongings, including: Furniture. Clothing and shoes.
Is the stolen property covered by homeowner's or renter's insurance? ›
Does homeowners insurance cover theft from a home? Typical homeowners (including renters and condominium) policies include coverage for your personal property. Loss due to theft is generally included as part of the personal property protection.
