Glass insurance covers the cost of replacing broken or damaged glass, including auto glass and structural glass in buildings. Costs vary depending on location and risk, and it’s important to understand exclusions and deductibles when getting quotes.
Glass insurance is an insurance policy that will pay for the replacement of broken or damaged glass. While glass replacement may not seem very expensive to those who have never had to pay for it, glass can be extremely expensive, especially in the case of specialty glass such as flat glass, UV resistant glass, or double pane glass. Many insurance companies offer glass insurance to their customers, usually in the form of a rider attached to an existing insurance policy.
Auto glass insurance is often available as part of a comprehensive insurance package, and some insurance policies will waive the deductible when auto glass needs to be replaced or renewed. The policy may include exclusions for certain types of events that cause broken glass, but generally includes accidents, vandalism, and certain natural events, such as a tree limb falling on a car. Auto glass insurance sometimes also includes a contract with a glass company that regularly works with the insurer and offers services such as windshield hole or pit replacement free of charge.
Structural glass in homes, condominiums, commercial buildings, retail establishments, etc., can also be covered with glass insurance. Insurance can be purchased by renters or the property owner, and is designed to pay for replacement of glass damaged by vandalism and most natural events, although damage from fire, war, and riot may not be covered under the terms of the policy. .
Glass insurance costs vary, depending on the type of glass and location. People who live or do business in glass-breaking areas, such as earthquake-prone areas or districts where vandals commonly attack, will have to pay more for their glass insurance, reflecting the higher risk. People with relatively low risk may pay a lower rate, and some insurance companies also do not count glass insurance claims as a claim against the policy as a whole, which means that when the glass is replaced by the insurance company insurance, the overall cost The policy will not go up.
When getting quotes on glass insurance, people should ask for a list of exclusions so they understand what is covered and what is not. They should also ask about the deductible, whether or not glass insurance claims will affect the larger insurance policy, and how quickly the insurance company pays glass claims. They should also be prepared to have an agency representative inspect the insured glass and document any existing damage or concerns along with the value of the glass. It is also important to regularly update insurance policies to confirm that as values change, so does the coverage provided by the policy.
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