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Will renters insurance cover a broken window?
Yesterday, my roommate and I were playing football in the yard when we accidentally threw the ball through one of the windows in our apartment. We do have renters insurance—would it cover a broken window?
Claire Beaney · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It’s always a good idea to purchase renters insurance, and it’s a good thing that you have!
Unfortunately, renters insurance won’t cover a broken window. This is considered a maintenance issue and would fall under your landlord’s insurance.
Even though it wasn’t purposeful, the window ended up broken due to you and your roommate’s actions. If it was broken as a result of a
covered peril
, like a break-in, then your landlord’s insurance would cover it.Renters insurance would help cover you if you ended up breaking your neighbor’s window, as this falls under personal liability coverage. If a claim is filed and you’re deemed liable for the damage, you’ll be reimbursed the cost of the window up to your policy’s limit.
Although renters insurance won’t cover you in this case, there are ways you can save money elsewhere.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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