To take out insurance for glass: what should I pay attention to?

Glass insurance is also called glass breakage insurance. This is an independent form of insurance separate from homeowners insurance. Anyone who has secured his house and inventory solely through these two insurances will, in the case of the glass breakage, usually go out empty anyway, because building and furniture glazing must be insured separately.

What can be secured with a glass insurance?

This insurance covers glass breakage in and around the building. Above all, it is important that the corresponding glass is on site, ie directly at or in the insured house. Here is an overview of the normally co-insured glasses:

To be insured furniture glazing

  • Glasses on showcases
  • Kitchen fronts made of glass
  • Glass shelves
  • Glass panes on picture frames
  • wall mirror
  • cheval glass
  • oven glazing
  • Glazing of gas or electrical appliances
  • glass plates

Building glazings to be insured

  • window glass
  • glass doors
  • Glass inserts in doors
  • Balcony and terrace glazing
  • conservatories
  • glass walls
  • glass roofs
  • Glass ceilings and glass skylights
  • Weather protection Stems
  • shower stalls
  • glass tables
  • glass balustrades
  • solar panels

What costs are covered in glass insurance?

The insurance against glass breakage not only protects the pure property damage. Normally, the cleanup costs are also covered, because with large-scale glass breakage may well be some work. The following costs will also be charged:

  • Emergency glazing or other necessary closures
  • Transport and disposal costs in the necessary framework

Separately insurable costs

It is possible to include the renewal of decorative decorations in the insurance, such as a stained glass, a lettering or a handmattiertes pattern.

Additional services such as scaffolding and crane costs for the assembly of newly installed glass elements can also be separately insured. Other additional costs such as the temporary removal of objects that prevent the attachment of replacement glass, are insurable.

When is a glass damaged under insurance law?

The glass insurance applies when a glass object suffers damage moving from the front to the back. This affects the cross-section of the glass. This is not only true for a break, but also for a crack or jump.

What is not covered?

No insurance cover exists for purely superficial damage such as scratches and breakouts. Also, leaks of edge zones in insulating glazing are generally not insured.

Burglary and fire are covered by either homeowners insurance or household contents insurance. That is why glass insurance does not apply in these cases either.

In addition, the settlement of damage caused by civil unrest, war or nuclear energy is excluded. These causes of damage are usually not included in the household and homeowners insurance.

Which glasses are not insured?

Glass breakage insurance does not cover the protection of crockery, hand mirrors, hollow glass (such as vases), spectacles or bulbs. Even photovoltaic systems do not enjoy any insurance protection in this context.

Glass elements of electronic devices are also normally not covered by the insurance. And of course, no damage is paid, which already existed before the glass breakage policy was completed.

Examples of insured and uninsured losses

  • A resident stumbles and falls on the glass table. The table and the glasses of the person break. The glass insurance replaces the cost of the glass table, the glasses are not insured.
  • In a storm, the photovoltaic system and a skylight are damaged. The insurance pays the new roof window, for the repair of the plant, the owner comes up.
  • A hanging cupboard falls from the wall in the kitchen, all glassware is destroyed. This is no insurance damage, because crockery is not assigned to glass breakage insurance.
  • In the conservatory, a standing mirror falls over, destroying the glazing. The mirror is breaking. Both glass damages usually pay for glass insurance.

Tips & Tricks

Report a broken glass as soon as possible the insurance, preferably with a detailed description and photos. This works in the meantime with many insurance companies simply by online form.

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