Glass breakage insurance: what is covered?
What does glass breakage insurance cover? Is this supplemental insurance worth it? Comparis explains what glass breakage insurance is and gives some tips.
23.11.2023
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1. What is glass breakage insurance?
Depending on the provider and cover, this supplemental insurance covers glass breakage on furniture or buildings. You can take it out with the following insurance types:
home contents insurance
buildings insurance
Glass breakage means an object made of glass has suffered direct damage. Scratches and signs of wear and tear are excluded. Glass objects include, for example:
window panes and glass doors
mirrors
glass tables
aquariums and terrariums
glass ceramic cooking surfaces
Glass breakage in household goods
Most insurers offer separate glass breakage insurance for building and furniture glass. Whether you should take out glass breakage insurance for your household contents or for your building depends on the type of glass you want insured.
Furniture glass includes all glass surfaces on furnishings or on individual pieces of furniture. Breakage of tabletops made from natural or artificial stone as well as wall mirrors are also covered.
Glass breakage and building insurance
Glass breakage insurance for building glass covers all permanently installed objects made of glass or glass-like material. These include:
Windows and doors
Insulating glazing
Glass blocks/bricks
Sinks, bidets, toilets and wash basins
2. Home contents insurance with supplemental glass insurance: is it worth taking out?
Various factors determine whether glass insurance is right for you. This includes whether you rent or own your property. It also depends on your furniture.
Do you own expensive furniture with lots of glass, for example glass tables, cabinets or fish tanks? Then supplemental glass insurance to cover your furniture glass is worthwhile.
Tenants do not need building glass insurance. This is also true for other supplemental insurance, for example for sinks, ceramic hobs and kitchen worktops made of natural or artificial stone.
As a homeowner, you own all building glass. You should therefore take out the additional cover.
3. Broken glass in household contents: non-insurable items
You cannot insure all glass items. The following usually cannot be insured:
hand mirrors
tableware
glasses
glass figures
hollow glass other than aquariums, terrariums and glass bricks/blocks
screens of any kind, e.g. from a smartphone or TV
light fittings such as light bulbs, fluorescent lamps and neon lamps.
Hollow glass refers to fillable glass objects. This includes drinking glasses, bottles and vases. These are usually not included in glass breakage insurance.
This article was first published on 01.11.2023
