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Does homeowner's insurance cover window replacement?

Does Home Insurance Cover Window Replacement?

Published: Feb. 6, 2023

Does home insurance cover window replacement? Let’s explore the topic.

During a severe monsoon storm – complete with howling wind and torrential rain – you hear a sound no homeowner wants to hear: glass shattering into a million pieces. When the rain and wind die down, you assess the damage and discover the citrus tree in your yard fell directly into your kitchen window, breaking the panes and damaging the window frame.

Or perhaps you’ve had the situation everyone dreads: a house fire.

You tell yourself that home insurance will cover the cost of the window damage. After all, that’s what homeowner’s insurance is for, right?

The short answer to “does home insurance cover window replacements?” is this: it’s complicated. If it’s related to weather, fire, an accident or vandalism, insurance will probably cover the cost of replacement windows for your home.

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