As a new homeowner, I’m curious about what all is covered under my insurance. I know that many disasters could impact my windows and badly damage or destroy them. Damage to or destruction of my windows could also displace me from my home while I’m waiting for repairs or estimates. Are windows covered under a standard homeowners insurance policy?
In many cases, yes. Like with anything else covered by homeowners insurance, the cause of the damage or destruction itself will determine whether your policy covers it. There are many disasters considered to be covered perils under standard homeowners policies, but certain things just aren’t covered. Let’s take a closer look at exactly when standard homeowners policies provide coverage for your windows in the next section.
Whether or not windows are covered under your homeowners policy depends entirely on what happens to them. For example, certain natural disasters are considered covered perils under standard policies while others aren’t. We’ll break down the most common covered scenarios concerning windows for a deeper understanding.
Notice that homeowners insurance does not protect you from flood damage or earthquakes. You would need special, separate insurance policies for those disasters.
Your homeowners insurance will also provide coverage for temporary living arrangements and additional living expenses if you’re temporarily displaced from your home while awaiting repairs on your windows.
After paying your deductible, you’ll be responsible for paying any amount exceeding your homeowners policy’s limit for the dwelling category of coverage. This limit will be determined by your specific policy, but it’s often 10% of your home’s total value. So, if you’ve got a $300,000 home, coverage for your windows may be limited to $30,000. You may also purchase additional coverage to increase this limit.
A standard homeowners policy has a deductible that’s typically 1% of the home’s value—so if your home is worth $300,000, you might have to exceed $3,000 in damages to your windows and other areas of the home’s structure before your insurance will start paying. However, you can work with an experienced independent insurance agent to get a policy with a lower deductible.
As long as the cause of the damage to or destruction of your windows is due to a covered peril, your homeowners insurance policy will protect you. However, for natural disasters like floods and earthquakes that aren’t covered under homeowners insurance, you’d need special, separate policies to protect your windows. An independent insurance agent can help get you set up with flood insurance or earth movement insurance if you’d like coverage in those areas.