There are many reasons why your home may have a broken window. Maybe your neighbor’s kid threw a baseball, maybe a storm knocked out your living room window, or maybe your home was vandalized. Truth is, there are 101 reasons why your home may have a broken window, however, it’s not always clear if window replacements will be covered by your home insurance or not.
If you’re unsure of the gray areas and need a quick guide for understanding if your window replacement is covered by insurance, then check out this brief guide to the perils that are and are not covered under your home insurance coverage.
- Window Replacements Covered by Your Home Insurance Coverage
If you have a standard HO3 home insurance policy, then your insurance should provide window replacement coverage for:
- Accidents (such as balls, lawnmower accidents, etc.)
- Falling trees/branches
- Airplane crashes
- Fires, lightning, and hail
- Civil riots or unrest
- Windstorms that send projectiles into your window
- Window Replacements NOT Covered by Your Home Insurance Coverage
On the other hand, if you have a standard HO3 home insurance policy, then these things do not warrant coverage for broken windows:
- Intentional breaks (domestic disputes, fights, etc.)
- Mold and failed foundations
- Standard wear-and-tear
- Vandalism (if your home is vacant for more than 60 days)
- War and/or nuclear hazards
At Brownlee Agency Insurance Solutions we proudly provide a range of insurance solutions, including home insurance to Albany, Moultrie, GA, Valdosta, Sylvester, GA, Tifton, and the surrounding areas. With nearly half a century as an agency, and 230 years of combined experience, our team works diligently to provide you with comprehensive home insurance solutions that match your budget, lifestyle, and unique requirements. Whether you’re buying your first home and purchasing your first home insurance policy, or switching carriers, we labor with your best interest at heart to find you the right solutions for your needs.
By getting to know you personally and conducting an in-depth assessment, our independent agents provide you with the knowledge needed to make smart decisions when it comes to home insurance coverage. Contact us today to learn more about our home insurance solutions!