Does Renters Insurance Cover Broken Windows?

Accidents can happen anytime, and sometimes when renting, the dwelling you live in gets damaged. Broken windows are standard among renters, and most renters insurance policies do cover the damage. However, there are some limitations, and you must ensure you have the proper renters insurance coverage to fully protect you when renting in Spokane, WA. 

If you still have questions about renters insurance and if broken windows are covered, call us at Western Insurance Associates today. 

What If Someone Else Breaks the Window? 

The liability section of a basic renters insurance policy covers the damage to a broken window if someone else breaks it. Then, the insurance company would go after the person responsible for the damage to recoup their costs, including covering all expenses and legal fees associated with seeking damages from the responsible party. 

What If I Break the Window? 

If you break the window in your rental, your insurance will not cover the damages or costs to repair the window. Even if you accidentally break the window by knocking into it, your insurance policy will not cover it.

What If I Break Someone Else’s Window? 

In the event you are found responsible for breaking someone else’s window. For example, if you are playing football in the yard outside someone else’s home and the football flies into the window, breaking it, your insurance will cover repair and replacement costs. However, you may have some out-of-pocket costs based on your policy’s deductible and maximum payout limits.

What If Something Else Causes the Window to Break? 

Renters insurance policies have covered perils listed out, stating if they are covered or not. For example, common perils where a broken window is covered include fire, burglary, or high winds. Also, check with your insurance policy and landlord because some perils might be covered under the landlord’s insurance. 

Do you have more questions about broken windows and insurance coverage in Spokane, WA? Call the experts at Western Insurance Associates for more information.