Does Renters Insurance Cover Broken Windows?

As a renter, you may be wondering if your renters insurance policy covers broken windows. After all, accidents can happen, and you want to make sure you are protected. The good news is that in most cases, renters insurance does…

As a renter, you may be wondering if your renters insurance policy covers broken windows. After all, accidents can happen, and you want to make sure you are protected. The good news is that in most cases, renters insurance does cover broken windows.

However, it’s important to understand the details of your policy to make sure you have the coverage you need. In this article, we’ll take a closer look at renters insurance and broken windows, including what is typically covered, what is not covered, and how to file a claim if necessary. So, let’s dive in!

Does Renters Insurance Cover Broken Windows?

Does Renters Insurance Cover Broken Windows?

As a renter, unexpected damages like broken windows can cause a lot of stress and financial burden. Fortunately, renters insurance can provide coverage for this type of damage. In this article, we will explore the details of renters insurance coverage for broken windows.

What is Renters Insurance?

Renters insurance is a type of insurance policy designed to protect tenants who rent a home, apartment, or condo. This type of insurance covers personal property, liability, and additional living expenses. Renters insurance is not mandatory, but it is highly recommended for anyone who is renting a living space.

Does Renters Insurance Cover Broken Windows?

The answer to this question is yes, renters insurance typically covers broken windows. However, the extent of coverage depends on the type of policy you have. Most renters insurance policies have two types of coverage: personal property and liability.

Personal property coverage includes protection for your personal belongings, including furniture, electronics, and clothing. If a broken window damages any of your personal belongings, your renters insurance policy will likely cover the cost of repair or replacement.

Liability coverage, on the other hand, covers damages to someone else’s property or injuries they sustain while on your rental property. If a broken window in your rental unit causes damage to your neighbor’s property, your renters insurance policy will cover the cost of repair or replacement.

What is Not Covered by Renters Insurance?

While renters insurance typically covers broken windows, there are some situations where it may not provide coverage. For example, if the broken window is caused by wear and tear or lack of maintenance, your renters insurance policy may not cover the cost of repair or replacement.

Additionally, if the broken window is a result of intentional damage or criminal activity, your renters insurance policy may not provide coverage. It is important to read your policy carefully to understand what types of damages are covered and what types are not.

How to File a Claim for Broken Windows?

If you experience a broken window and need to file a claim with your renters insurance company, there are a few steps you should take. First, document the damage with photos and video. Then, contact your insurance company to report the claim and provide them with the documentation you have collected.

Your insurance company will likely send out an adjuster to assess the damage and determine the amount of coverage you are eligible for. Once the claim has been approved, you can begin the process of repairing or replacing the broken window.

The Benefits of Renters Insurance for Broken Windows

Renters insurance provides peace of mind and financial protection in the event of unexpected damages like broken windows. With renters insurance, you can rest assured that you will not be left with a hefty bill for repairs or replacement.

Additionally, renters insurance can provide coverage for other types of damages, including theft, fire, and natural disasters. With comprehensive coverage, you can protect your personal belongings and your financial well-being.

Renters Insurance vs. Landlord Insurance

It is important to note that renters insurance is different from landlord insurance. While renters insurance covers personal property and liability for the tenant, landlord insurance covers the property and liability of the landlord.

If the broken window is caused by a structural issue with the rental property, the landlord’s insurance policy may provide coverage for the repair or replacement. However, if the damage is caused by the tenant or their personal property, it is the tenant’s responsibility to file a claim with their renters insurance company.

In Conclusion

Renters insurance can provide coverage for broken windows, giving tenants peace of mind and financial protection. It is important to understand the details of your policy and what types of damages are covered and what types are not. With renters insurance, you can protect your personal belongings and your financial well-being in the event of unexpected damages.

Frequently Asked Questions

What is renters insurance?

Renters insurance is a type of insurance policy that provides coverage for renters. It typically covers personal property, liability, and additional living expenses in case of a covered loss or damage.

While it is not required by law, many landlords require tenants to have renters insurance as a condition of their lease agreement.

What does renters insurance cover?

Most renters insurance policies cover personal property, liability, and additional living expenses. Personal property coverage typically includes protection for your belongings against theft, damage, or destruction caused by covered events such as fire, windstorm, or vandalism.

Liability coverage can protect you in case someone is injured while on your rental property and you are found responsible. Additional living expenses coverage can help pay for temporary living expenses if you need to relocate due to a covered loss.

What types of damages to windows are covered by renters insurance?

The specific types of window damages that are covered by renters insurance will depend on your policy. In general, most policies will cover accidental damages to windows caused by covered events such as vandalism, theft, or storms.

However, if the damage is caused by wear and tear or lack of maintenance, it may not be covered by your policy.

What is the process for filing a claim for broken windows under renters insurance?

If your rental property experiences broken windows due to a covered event, the first step is to contact your insurance company to file a claim. You will need to provide details about the damage, including the cause and extent of the damage.

Your insurance company will then send an adjuster to assess the damage and determine the amount of coverage you are eligible for. Once your claim is approved, you will receive a payout to cover the cost of repairing or replacing the broken windows.

How much does renters insurance cost?

The cost of renters insurance varies depending on a number of factors, including your location, the amount of coverage you need, and your deductible. On average, renters insurance costs around $15 to $20 per month.

However, it is important to shop around and compare quotes from different insurance companies to ensure you are getting the best coverage at the most affordable price.

Renters Insurance Explained in 5 Minutes


In conclusion, renters insurance may cover broken windows depending on the cause of the damage. Accidents such as a baseball accidentally hitting the window or a fallen tree branch may be covered under your policy. However, intentional damage or neglect may not be covered.

It is important to review your policy carefully and understand what is covered and what is not. Some policies may have specific exclusions or limitations on window coverage.

Overall, renters insurance can provide valuable protection for your personal belongings and liability. If you are unsure about your coverage or have questions, it is always best to contact your insurance provider for clarification.

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