When it comes to comprehensive glass insurance coverage, it's all about covering the wide spectrum of glass products that could possibly be damaged or destroyed. Unlike a standard glass policy that covers only plate glass, a comprehensive glass policy extends its coverage to all kinds of glass, irrespective of whether the damage was intentional or purely accidental.
Windows, doors, glass displays, and glass signs are all included in this extensive coverage. Comprehensive auto insurance also extends its reach to encompass glass materials.
Replacement of glass doors and windows can sneak up unawares on homeowners and businesses alike in terms of costs. When a window that serves as a barrier between the inside of your home and the outdoor elements breaks, it needs immediate attention. You'll find that it's not as easy as strolling into your nearest store to get a new one – they require specific sizing and specific construction such as curved or colored glass, and this customization could steeply hike the cost.
The beauty of comprehensive glass insurance coverage lies in its all-inclusive nature. It covers instances of accidental as well as intentional damage, making sure homeowners are not left in the dust due to unanticipated damages. All kinds of glass, not just plate glass are protected under this policy.
Selection of the specific pieces of glass to be insured and the extent of coverage largely depends on the policyholder. They may choose to only insure external windows and display cases, while leaving other items like lamps or glass signs out of the policy. In a business scenario, sometimes the cost of glass insurance may be shared with the property owner.
While comprehensive glass policies appear to cover all potential risk, they do retain some exclusions, particularly damages caused intentionally by the policyholder. Also, most collision coverage insurances do not cover glass damage unrelated to an accident.
Chips or cracks in glasses smaller than a dollar bill could simply be repaired at a cheaper cost. Comprehensive auto insurances often provide coverage for windshield glass replacement that isn't accident-related. Deductibles for windshield repair or replacement tend not to be charged since it's necessary for vehicle operation. However, coverage varies on other auto glasses; to ensure full coverage, comprehensive glass could be added to the insurance policy.
The cost of windshield repairs vary from around $100 to over $1,000, and these figures do not take into account the labor charges. Driving behind a truck when debris strikes and cracks your windshield might make you wish you had your glass covered. Many insurance companies provide a specific hotline for glass claims and could also clarify if your deductible can be waived.
Typical cost for window replacement lies around $350, with more complicated repair or custom windows shooting the expenses to as high as $2,000. Comprehensive insurance also covers vehicle damages from collisions, theft, vandalism, wind damage, and animal strikes.
Filing a glass claim with an insurer usually does not trigger an increase in your premium; but recurrent similar claims could witness a rise.