Insuring property is essential to cover unexpected costs in case of damage or loss. A frequently asked question in this regard is: "Is glass standardly insured?" To answer this question, it is important to understand how contents and buildings insurance work and what they cover.
Contents Insurance vs. Buildings Insurance
Contents insurance covers damage to movable items in the house, such as furniture, electronics, and clothing. Buildings insurance covers damage to the house itself, including fixed components like walls, roof, and floors. Understanding the difference between these two types of insurance is crucial, as it affects the coverage of glass.
Glass Insurance: Contents vs. Buildings
With buildings insurance, glass is usually standardly insured. This means that windows and other glass components that are permanently built into the house, such as a conservatory or glass doors, are covered in case of damage. This coverage can vary depending on the insurer and the specific policy terms, so it is always wise to review the policy conditions thoroughly. On the other hand, with contents insurance, glass is not always standardly insured. Some contents insurance policies offer additional coverage for glass breakage, but this is not always the case. Often, an extra module must be added to the basic insurance, which can lead to higher premiums.
What to Consider When Insuring Glass
- Check Policy Conditions: Always read the policy conditions carefully. These outline exactly what is and isn't covered. Specifically look for the conditions regarding glass coverage, both in contents and buildings insurance.
- Consider Additional Coverage: If glass is not standardly insured under contents insurance, consider taking out additional glass insurance. This can be a wise choice if there is a lot of glass in the house, such as large windows or a conservatory.
- Existing Damage: Keep in mind that existing damage to glass is often not covered if it was present before the insurance was taken out. It is important to report any damage to the insurer immediately after it occurs.
Conclusion
Glass is usually standardly insured with buildings insurance, but not always with contents insurance. Therefore, it is crucial to review the policy conditions carefully and, if necessary, take out additional glass insurance. By paying close attention to the coverage and terms, one can protect against unexpected costs in case of glass damage.
