Does my basic home insurance cover broken glasses?
It is likely that basic home insurance does not cover broken glasses, as its coverage is limited to civil liability, theft, burglary, and water damage. In some cases, it may also include fire damage and damage to appliances caused by storms.
Therefore, it is important to investigate if any extended policy offers this coverage, as the cost of repairing or replacing glasses can be high.
Situations in which home insurance covers broken glasses
Although basic policies generally do not cover broken glasses, there are some circumstances in which this is possible. For example, if the glasses break as a result of an incident inside the home, such as a theft or fire.
It is important to note that the insurance will not cover glasses if they are lost or damaged outside the home. Additionally, another situation in which home insurance covers broken glasses is when they are part of the home's contents. However, it is necessary to review the policy conditions to verify possible limitations.
Will the insurance cover the full cost of the glasses?
This will depend on what is stipulated in your contract, as there are coverage limits. For example, the insurer may only cover 50% or even less of the total cost of the glasses. If protecting your glasses is important to you, it is necessary to check if they are included in your home insurance.
What are the advantages of having home insurance cover broken glasses?
The main advantage of having home insurance cover broken glasses is that it will not affect your finances to have to buy new ones. The average price of glasses is around 100 euros, although it can vary depending on the frame model, prescription, and other factors.
Another advantage is that you will have peace of mind, as you will not have to worry if your glasses are damaged, as they will be covered by home insurance. This will allow you to have fewer worries.
When you take out your home insurance, it is advisable to ask if there is any specific coverage for glasses or if you can include them in the contents of your home. This way, if something happens to them, you can receive compensation without affecting your wallet.
If you have any questions or doubts, our advisors are available to help you. Contact them through the form and find out if your home insurance covers broken glasses.
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