{"id":1297,"date":"2022-08-11T15:27:55","date_gmt":"2022-08-11T15:27:55","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1297"},"modified":"2022-08-11T15:27:55","modified_gmt":"2022-08-11T15:27:55","slug":"does-renters-insurance-cover-broken-windows","status":"publish","type":"post","link":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/does-renters-insurance-cover-broken-windows\/","title":{"rendered":"Does Renters Insurance Cover Broken Windows? Insurance FAQs"},"content":{"rendered":"<h1><span style=\"font-weight: 400;\">Does Renters Insurance Cover Broken Windows?<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Few things lead to panic like the sound of a broken window. Everyone from a toddler to a senior citizen and all ages in between knows that sound is bad. While a little kid may hear it and think &#8220;Someone is in trouble. I hope it isn&#8217;t me!&#8221; an adult will instead think &#8220;Someone is paying for that. I hope it isn&#8217;t me!&#8221;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you rent a house or apartment, you may wonder if this is the landlord&#8217;s responsibility to fix or <\/span><\/p>\n<p><b>Table of Contents<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">When Does Renters Insurance Cover Broken Windows?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Broken Windows in Your Home<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Broken Windows at Someone Else&#8217;s Home<\/span><\/li>\n<li><span style=\"font-weight: 400;\">How to File a Broken Window Claim<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">When Does Renters Insurance Cover Broken Windows?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Rather than a hard yes or no, the answer to this question is &#8220;Maybe.&#8221; Renters insurance will cover the cost of a broken window if that window belongs to another person. This is covered under the liability portion of your renters insurance policy. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Broken Windows in Your Home<\/span><\/h3>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1299\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Broken-Window-Costs-300x200.jpg\" alt=\"Broken Window Costs\" width=\"300\" height=\"200\" srcset=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Broken-Window-Costs-300x200.jpg 300w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Broken-Window-Costs-768x512.jpg 768w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Broken-Window-Costs.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Let&#8217;s say you accidentally break your window while having a party. A particularly rowdy guest breaks your window. Renters insurance will not cover a broken window in your own residence. Renters insurance only covers your personal property, not the home. Damage to the physical structure of the building you live in, which includes a broken window, is covered by your landlord insurance. However, don&#8217;t be surprised if you have to cover the cost. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Broken Windows at Someone Else&#8217;s Home<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">On the other hand, let&#8217;s say you were playing ball outside and accidentally threw a baseball through a neighbor&#8217;s window. As mentioned above, the liability portion of a renters insurance policy <\/span><a href=\"https:\/\/www.forbes.com\/home-improvement\/windows\/window-replacement-cost\/\"><span style=\"font-weight: 400;\">pays for the costs and fees<\/span><\/a><span style=\"font-weight: 400;\"> associated with claims for which you&#8217;re found liable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">They will tell you when they&#8217;ve filed a claim with their insurance company. If it\u2019s determined that you\u2019re liable for the damage, your insurance company will reimburse you the cost of the window up to your policy\u2019s limit of liability. This is covered by your personal liability coverage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to File a Broken Window Claim<\/span><\/h2>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1300\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/File-a-Broken-Window-Claim-300x200.jpg\" alt=\"File a Broken Window Claim\" width=\"300\" height=\"200\" srcset=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/File-a-Broken-Window-Claim-300x200.jpg 300w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/File-a-Broken-Window-Claim-768x513.jpg 768w, https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/File-a-Broken-Window-Claim.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">A broken window isn&#8217;t going to fix itself. In the same way, an <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/auto-insurance\"><span style=\"font-weight: 400;\">auto insurance policy<\/span><\/a><span style=\"font-weight: 400;\"> protects your car and a<\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/boat-insurance\"><span style=\"font-weight: 400;\"> watercraft insurance policy<\/span><\/a><span style=\"font-weight: 400;\"> protects a boat, a <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/renters-insurance\"><span style=\"font-weight: 400;\">renters insurance policy<\/span><\/a><span style=\"font-weight: 400;\"> covers renters like you who live in a house or apartment they lease. It is like home insurance, but for a home, you don&#8217;t own. The typical renters insurance policy includes coverage that helps to protect you, your personal property, and your living arrangements after a covered loss.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you feel a broken window is covered by your renters insurance policy, the next thing to do is to file a claim. Pronto makes <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/1215-2\/\"><span style=\"font-weight: 400;\">filing a claim<\/span><\/a><span style=\"font-weight: 400;\"> easy to do on our app or on our website. Simply click the &#8220;<\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/claims\"><span style=\"font-weight: 400;\">File a Claim<\/span><\/a><span style=\"font-weight: 400;\">&#8221; icon at the top of this screen to begin. Contact your insurer and let us know if you have any additional questions! Your insurance agent is always here to help.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does Renters Insurance Cover Broken Windows? Few things lead to panic like the sound of a broken window. Everyone from a toddler to a senior citizen and all ages in between knows that sound is bad. While a little kid may hear it and think &#8220;Someone is in trouble. I hope it isn&#8217;t me!&#8221; an &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/ecom-mir.prontoinsurance.com\/blog\/does-renters-insurance-cover-broken-windows\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Does Renters Insurance Cover Broken Windows? Insurance FAQs&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1298,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[32],"jetpack_featured_media_url":"https:\/\/ecom-mir.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Does-Renters-Insurance-Cover-Broken-Windows.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Renters Insurance Cover Broken Windows? Insurance FAQs - PRONTO Blog<\/title>\n<meta name=\"description\" content=\"Can you file a renters insurance claim for a broken window? Is this a covered peril? 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