Homeowners insurance typically does not cover accidental breakage you cause to your own house. If your child throws a ball through your home's window or you accidentally crack a window pane, you'll likely need to pay out of pocket for the repair.

Also, keep in mind that homeowners insurance does not cover window maintenance issues or wear and tear. If your window needs repair or replacement because it's drafty, for instance, homeowners insurance will not cover the cost.

Broken window seals also may not be covered by home insurance. According to This Old House, fog or moisture between double-glazed windows can indicate a broken seal. Window seals fail over time, with manufacturers offering warranties up to 20 years, This Old House says. Remember, unless the damage is caused by a sudden or accidental peril — hail, fire or theft, for example — it's likely not covered by homeowners insurance.

It's a good idea to understand when homeowners insurance covers broken windows and to make sure your deductibles and coverage limits fit your needs.