Glass breakage insurance protects you against the unexpected breaking of fixed or removable glass on your premises. It covers both the cost of replacing the glass, and the costs of taking precautions to prevent the breaking of the glass. This includes securing all sides of doors and windows with suitable locks. It also covers the cost of removing broken glass and safely replacing it.
Many people are not aware that they do have this type of insurance cover. Perhaps you have had a glass shattered on a door or window, causing minor damage. Perhaps a passerby has fallen accidentally and broke a window. There is no need to dwell on the minor broken glass as long as you have taken precautions to prevent it from happening in the first place. A glass breakage insurance policy would give you peace of mind.
This type of insurance protects glass damage to anyone, including yourself or family members. You are able to choose whether you want to insure for the total amount on one occasion, or whether you would like to take out a policy that covers glass damage on an annual basis. You can also choose how much you wish to pay out each month. If you wish you can choose to take unlimited insurance for all types of glass on your property.
Glass breakage insurance is designed to provide peace of mind when it comes to personal possessions. It means that if you have valuable items in your home, it provides coverage in the event of breakages. These include glass jewellery, antique furniture and bathroom tiles. This policy can also cover the breakages of TVs and computer monitors. In addition, it covers the costs of replacing any expensive China or tableware items.
Generally speaking, when you take out a policy to protect the contents of your home, this includes the cost of replacing the stolen items. When you take out glass breakage insurance, the policy will also cover the cost of repairing any damaged objects inside your home, which include items such as photos, clothing and furniture. In the event that an insured item is totally destroyed, the policy will normally provide you with replacement items at no extra cost.
If you wish to add extra protection to your home, you can do so by purchasing double glazing. This will help to ensure that your home is as secure as possible, but it will not increase the amount of glass coverage that you receive. When you have double glazing, fitted it will stop any heat coming into your home from outside. The heat coming in will be slowed down by the fact that the glass is opaque. Therefore, the risk of having your glass breakage insurance claims rejected is dramatically reduced. This kind of glass coverage is not included in the standard glass policy.
It is rare for an insured consumer to be required to pay for a claim made because they have a glass item or piece of furniture damaged due to water damage. When you take out glass breakage insurance you can be covered against the cost of installing new glass for whatever reason, whether it is because it was broken or it was there at the time of the claim and it has become damaged. You will be covered even if you are making a claim for damage which was caused by natural elements. For instance, if a pane of glass in your bathroom was broken by a gust of wind, the insurance company would pay out because it was deemed a ‘fall’ injury. Similarly, if it was caused by the rain and it resulted in water which ruined your belongings, then your insurer will offer you a refund.
Commercial insurance is often more expensive than home glass breakage insurance as it covers different items. For instance, it might cover the cost of replacing items which were stolen. This could include office equipment and even computer equipment. If you have commercial insurance and a piece of glass breaks off your desk, then you should check with your commercial insurance provider to see whether they have special provision for the resulting injuries caused by the break.