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Will a home warrenty cover a broken window?

Updated: 9/19/2023
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Q: Will a home warrenty cover a broken window?
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Does renters insurance cover a broken window?

No. It's not your window. You are a tenant and there fore you do not own the home just the contents. You cannot insure something that you don't own. The landlord will have to fix the broken window unless you broke it and in that case you will have to fix it yourself.


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Does insurance cover the set of windows on the side of your house if one gets broken?

If your window was broken due to a covered peril such as Fire, Wind, Hail, Lightning etc then it is certainly covered subject to your deductible. The occasional broken window is a normal and expected part of home ownership. If someone just accidentally broke the window while moving something or by opening and closing the window then it would not be covered unless you have coverage for glass breakage on your policy. You can refer to your home insurance policy to see if you have glass coverage. Bear in mind that most window glass repair is very cheap and usually far less expensive than your deductible would be for a home insurance claim.


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Alarm security systems can be useful, but sometimes they do not cover every possible method of entry into a home. For example, a system might cover whether or not a window is OPENED, but it will not cover a window which has been broken and climbed through. Some motion sensors are sensitive enough to be tripped by small pets moving around in the home, which can be troublesome since you often have to pay a fee for a police visit to your house after a false alarm.


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