Does Renters Insurance Cover Broken Windows?
There is a high tendency for accidents to occur in your home and neighborhood, and when it comes to rented properties, you’ll be asking “does renters insurance cover broken windows? Accidents in rented properties are not far-fetched, and broken windows are among the significant renters’ damages, and if you have renters insurance, you can claim the insurance on such damages.
However, renters insurance does not cover all broken windows accidents. Renters insurance won’t cover broken windows in your primary residence but will cover your neighbor’s broken window if you cause the damage.
Certain situations determine when your renters’ insurance will cover a broken window. This guide will explain how the renters’ insurance policies work for broken windows.
What is Renters Insurance?
Renter’s insurance covers losses to your personal property, protects you from personal liability claims, and covers the cost of living elsewhere while your residence is fixed. Renter’s insurance does not cover structural damages. They are regarded as the landlord’s responsibility.
Renter’s insurance extends to an entire residence, mobile home, or studio apartment.
When Does Renters Insurance Cover Broken Windows?
Under the liability section of the renters’ insurance policy, renters insurance will cover damages to a broken window if it was broken or damaged by someone else. What this entails is that your liability coverage may cover the cost of damages to a broken window if you are found liable for the damage. In this case, your renters’ insurance may cover parts of the repair cost.
For instance, if you or a family member accidentally damage a neighbor’s window when golfing in your backyard, your renters’ insurance coverage will cover the cost of fixing a new window up to your policy’s liability limit. This is vice versa, in the sense that if someone breaks your window and they have renters insurance coverage, the provision on their renters’ insurance personal liability deems it fit for them to fix your window.
When Will Renters Insurance Not Cover a Broken Window?
Renters insurance would not cover the broken window in your rented apartment if it got damaged by you. Your renters’ insurance policy won’t cover whether you accidentally broke it by throwing an object or knocked it into it.
For structural damages or common perils where a window is broken due to a fire outbreak, burglary, or extreme weather conditions, you will have to check with your insurance providers to see if such occurrences are covered.
Damages and maintenance issues, such as pest damages, are usually covered under the landlord’s insurance. They are regarded as the landlord’s responsibility. Although landlords are responsible for fixing damages to the rental properties, they are not in the position to reimburse or rectify your personal property. Your landlord’s insurance only comes to play when your window is broken due to covered situations, such as burglary.
Conclusion
Renter’s insurance coverage for broken windows can only arise when a personal liability is claimed on you for damaging someone else’s window. Therefore, if you are responsible for breaking the window of your rented apartment, you are not liable to claim renters insurance for such damage. Consult your insurance provider for more information regarding the covered liabilities in your insurance policy. If you would like to learn more about renters insurance policies that work for you, feel free to contact The Alex Ruiz Agency today for all your needs.