2. july 2019, author: Eleonora Scardanzan, photo: Getty Images
A shot, a shout and the window is out: The children kicked the ball too high while playing football and now the window pane is shattered into a thousand fragments. The potential causes of damage are just as numerous as the glass objects in and around a home. This has an impact on the insurance.
In insurance terms a distinction is made between building glazing and furniture glass. The first category includes glass that is part of the building, such as windows, glass fronts and sinks, a ceramic glass cooktop or a toilet bowl. Glass breakage is covered by buildings insurance, provided it was caused by fire, natural forces (e.g. storm), liquids or gas. If a tenant causes a breakage to building glazing, for instance by damaging a window in a rented apartment with a football, this is covered by private liability insurance.
Furniture glass includes glass “in the home”, i.e. furnishings such as table tops, display cabinets or mirrors. Glass breakage to one’s own furniture is covered by household contents insurance, provided it was caused by one of the above-mentioned factors.
Furniture glass does not include objects such as spectacles, dishes, glass decorations, lamps or monitors. Special rules apply to mobile phones.
If an aquarium is broken, different types of insurance apply. The water damage may be considerable. With tenants, private liability insurance covers damage to the building, and homeowners are covered by buildings insurance. Household contents insurance bears the cost of damage to carpets and furniture. If you purchase an aquarium it’s a good idea to call your insurance company to make sure that all potential damage is covered.