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Does Homeowners Insurance Cover Broken Windows?

Published: October 2018

A typical homeowners insurance policy includes two coverages that may help pay to replace a broken window. Dwelling coverage or liability coverage may come into play, depending on what caused the window to break. Here's a look at some scenarios in which homeowners insurance may help cover a broken window.

Window with broken glass.

What If Something Breaks My Window?

The dwelling coverage in a standard homeowners insurance policy pertains to certain risks — often referred to as perils — that are outlined in your policy. It typically helps pay to repair damage caused by risks such as vandalism, hail, fire, theft and wind. So if your window is broken in a fire, by a tree branch that breaks off in a windstorm or by hail, for instance, you may be able to file a homeowners insurance claim.

Keep in mind that you'll likely need to pay your deductible before homeowners insurance helps cover the damage. If the cost of repairing the damage is less than your deductible, you probably won't be able to file a claim. But if your deductible is lower than the cost of the window repair, your homeowners insurance will likely help pay the difference, up to your coverage limit.

What If I Break Someone Else's Window?

Suppose you or your child accidentally throw a ball through a neighbor's window. If you accidentally damage another person's property, the liability coverage in your homeowners policy may help pay for repairs. You'll typically find that you do not have to pay a deductible before liability coverage begins.

A suburban home.

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What If I Break My Own Window?

Homeowners insurance typically does not cover accidental breakage. If your child throws a ball through a window at your own house 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 maintenance issues. If your window needs repair or replacement because it's drafty, for instance, homeowners insurance will not cover the cost.

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. A local agent can help answer any questions or assist if you need to adjust your policy.

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This content is for informational purposes only and may not be applicable to all situations.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2018 Allstate Insurance Company, Northbrook, IL.
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