Perhaps your children kicked the ball too high while playing football and now the neighbours’ window is broken. Or an object has fallen onto your expensive glass coffee table. When a glass item is broken due to an unforeseen event, your insurer treats it as glass breakage. Glass breakage can be caused, for example, by a mishap, fire or storm.
Glass breakage insurance covers you financially for damage to glass furniture and building components. A distinction is made between building glazing and furniture glass. Glass breakage can be added as an option to your household contents or buildings insurance. The insurance covers the cost of repair or replacement and any installation required.
Furniture glass includes glass items such as table tops, display cabinets, wall mirrors and cabinet mirrors – in other words, objects that are found inside your house or apartment. Furniture glass does not include objects such as spectacles, dishes, glass decorations, lamps or monitors.
Glass breakage you cause to your own furniture is covered by the supplementary “glazing” option in your household contents policy. However, any third party who breaks a glass item in your home will need to claim for the damage through their private liability insurance.
Building glazing includes permanently installed glass fittings such as windows and the surface of a glass ceramic stove top, but also ceramic toilet bowls and wash basins. Conservatories are also included in building glazing.
A breakage of permanently installed glass fittings will be covered by the supplementary “glass breakage” option in your buildings insurance policy. If you own your own home, you should therefore include glass building components in your building insurance policy along with your furniture. Tenants do not require any building insurance, as they do not own the glazing of the property. If they are responsible for a breakage to building glazing – for example due to a football hitting the window of their rental apartment – the damage will be covered by their private liability insurance.