Does Home Insurance Cover Windows? Getting Homeowners Insurance to Pay for New Windows

Yes, homeowners insurance covers window replacement when covered perils damage your windows. Covered perils include storms, vandalism, fire, theft and falling objects. Several factors determine whether your claim gets approved:

Learn more about what home insurance covers in our guide.

Whether your homeowners insurance pays for full window replacement or just repair depends on the damage extent and your policy terms.

• Full Replacement: Insurance usually covers broken windows when damage is severe, creates a safety hazard or when replacement is needed to restore your home properly. For example, if a storm shatters multiple panes or damages frames beyond repair, insurers often approve replacement. Some policies include "matching rules," meaning all windows on the same side of the house may need replacing for a uniform appearance.
• Repairs: If damage is minor, like a small crack or chip that doesn't affect the window's structure or security, your insurer may only approve repair costs. Filing a claim may not be worth it if repair costs less than your deductible.

Homeowners insurance doesn't cover window replacement if damage results from general wear and tear or lack of maintenance, including old age, gradual deterioration or neglect. Home insurance won't cover window replacement in these cases:

Window coverage varies depending on your policy details:

To maximize your chances of getting homeowners insurance to pay for new windows, follow these steps:

A covered peril must cause damage leading to replacement need. Covered perils vary by insurer and policy type. Each insurer may define or limit coverage differently, so reviewing policy details is important to understand what's included. Standard covered perils are listed above.

Record damage with photos and detailed notes proving a covered peril caused it. Include:

• Close-up shots of cracks, broken frames, or shattered glass
• Wide shots showing the surrounding area for context
• Photos of any debris or objects that caused the damage
• Written notes describing the incident, including date, time, and cause
• Weather reports if storm-related

Notify your insurance company as soon as possible about your broken window. Early communication prevents delays and demonstrates prompt, responsible action. Have your policy number and documentation ready when you call.

Get written estimates from licensed contractors for window repair or replacement. Your insurance provider needs these quotes to assess damage extent and cost. Make sure estimates include:

• Labor costs
• Materials and specifications
• Required permits
• Cleanup and disposal fees

For bigger claims, such as having several broken windows, an insurance adjuster will visit your home to evaluate the damage. During this meeting:

• Show them all affected windows
• Provide your documentation and photos
• Explain how the damage occurred
• Be present to answer questions
• Take notes on their assessment

Understand your homeowners insurance policy specifics, including:

• Your deductible amount
• Coverage limits for windows
• Whether windows fall under structural or personal property coverage
• Any exclusions that might apply
• Replacement cost vs. actual cash value coverage

Stay in touch with your insurer to track your window claim and share any documents they request. Keep a record of all communications, including:

• Names of representatives you speak with
• Dates and times of conversations
• Summary of each interaction
• Reference numbers for your claim

When contacting your insurance company to file for broken windows, use clear, factual language:

The most effective claim language:

• "My windows were damaged by [specific covered peril] on [date]"
• "I have photos and documentation of the damage"
• "I need to file a claim for window replacement due to storm damage"
• "The damage makes my home uninhabitable/unsafe"

Always be honest, but avoid these phrases:

• "I think the windows need replacing anyway"
• "They were getting old"
• "I'm not sure what caused it"

Homeowners insurance covers window replacement when covered perils like storms, vandalism, fire or theft cause damage. Getting your claim approved requires following the proper process: document damage with photos, contact your insurer immediately, get professional quotes, meet with the adjuster and follow up regularly.

Know your policy details before filing a claim. Check your deductible amount and coverage limits so you understand your out-of-pocket costs. Normal wear and tear won't be covered, but sudden damage from covered perils may qualify for reimbursement.

These are frequently asked questions about getting homeowners insurance to cover new windows and when coverage applies.