Zakelijk • Vastgoed • Glass insurance
Real estate glass insurance – glass cover for rental properties, shops and offices
Glass damage is one of the most common and expensive damages Property. Met A glass insurance for real estate (glasCoverage onroerend goed) verzekert u ruiten, deuren, puien en overige glaspartijen tegen window damage and glass breakage door van buiten komende oorzaken (policy dependent). Dat beperkt stilstand, klachten van huurders en onverwachte herstelkosten.
Finass Verzekert is a specialist in this commercial real estate and rented real estate. Wij vergelijken meerdere verzekeraars en stemmen dekking en clausules af op uw risicoprofiel: type pand, glass surface, ligging, preventie, leegstand en branche van huurders. U krijgt een voorstel met een sterke value for money and a clear policy review.
Real estate glass insurance in brief
A glass real estate insurance vergoedt (volgens polisConditions) de kosten van herstel of vervanging van glaspartijen na window damage. Think of windows, glass doors, facades and skylights.
What should you pay attention to?
- Type of glass: single, double, HR++/insulating glass, safety glass, stained glass (often separate/additional).
- Objects: facade/shop window, balcony glazing, interior walls, glass roof/skylight (acceptance may vary).
- Own risk, emergency provision, installation and call-out costs (depending on the policy).
- Rental/vacancy: reporting obligation and prevention requirements may be stricter.
Tip: combine glass coverage cleverly with building insurance (buildings) and optional AOG or loss of rent.
Why glass insurance for real estate?
Avoid high repair costs
Groot glasoppervlak (winkelpui, entree, trappenhuis) maakt ruitbreuk kostbaar. Een Glass insurance beperkt uw onverwachte onderhouds- en herstelbudget.
Faster recovery, less inconvenience
Glasschade is veiligheidskritisch. Snelle vervanging voorkomt inbraakrisico, klachten van huurders en discussies over Liability.
Specific coverage in addition to buildings
A Building insurance often covers damage due to fire/storm etc., but window damage valt geregeld buiten de standaard opstal (policy dependent). Glasdekking vult dit gat.
✔ For rented real estate, retail properties, offices and residential complexes
✔ Coverage tailored to glass areas, use and prevention
✔ Clear advice about deductible, clauses and acceptance
Who is property glass insurance suitable for?
Property owners (rental)
- rented houses, apartments or residential complexes;
- retail spaces, shopping strips and shopping centers;
- offices or mixed use (situation-dependent);
- investment properties with multiple units.
Managers & portfolios
- management on behalf of private or business owners;
- multiple buildings with different tenants/industry;
- central control over prevention and damage management;
- efficient package: building + glass + AOG (optional).
Retail & commercial skirting boards
- large facades and shop window glass (high risk of vandalism);
- many passers-by and higher risk of accident/collision;
- important for business continuity of tenants;
- acceptance requirements may be stricter per location.
What does glass insurance for real estate cover?
Glass insurance focuses on: window damage aan glaspartijen in/aan het pand. Hieronder de meest voorkomende onderdelen op hoofdlijnen. Exacte dekking, limieten en Own risk hangen af van verzekeraar en polis.
Glass areas (example)
- windows and fixed glass in facades;
- glass doors and entrances;
- storefronts and display glass;
- stairwell/gallery glazing;
- skylight or glass roof (acceptance/conditions may vary).
Covered causes (example)
- vandalism or window breakage by third parties;
- storm-related window breakage (policy dependent);
- accident/impact from outside;
- collision with window or window (depending on policy);
- other external events (policy dependent).
Costs that can often be co-insured
- replacement/repair of glass;
- emergency provision (barrier/emergency window) (policy dependent);
- installation and call-out costs (depending on the policy);
- shards clearance costs (depending on policy);
- special glass via extension (policy dependent).
Important: special glass & custom work
Real estate often happens special glass for. Consider: HR++/insulating glass, safety glass, stained glass, gehard/gelamineerd glas, (brandwerandd) scheidingsglas of grote pui-elemandtand. Deze onderdeland zijn regelmatig additional or with specific conditions.
We ask this in advance and ensure that the policy matches your glass frame and objects.
Glass insurance versus home insurance
A buildings insurance (building insurance) covers the building against major events such as fire, storm and water damage (depending on the policy). Window breakage en “alledaagse” glasschade vallen vaak niet standaard onder opstal. Een Glass insurance is daarom een logische aanvulling binnen een vastgoedpakket.
We check overlap, gaps and deductibles so that you are not double insured or lack coverage.
Which glass and object types do we see in real estate?
Standard glass
- single glazing / double glazing;
- pivot windows, fixed windows;
- general facade glazing.
Often acceptable, depending on location and damage burden.
Insulating and safety glass
- HR++ / triple glass (more valuable element);
- tempered or laminated safety glass;
- fire-resistant glass (specific requirements).
Question: replacement “like-for-like” and any additional costs/conditions.
Commercial & special glass
- shop fronts / display glass / display cases;
- skylights and glass roofs;
- stained glass or monumental glass;
- interior walls in porches or offices.
This often involves higher risks, limits and prevention requirements.
Practical tip: make a “glass frame”
Voor een scherpe offerte helpt een korte inventarisatie: type glas, globale m², special glass, ligging (straatgevel/achterzijde), en eventuele kwetsbare objecten (hoekpui, portiek, lichtstraat). Zo voorkomt u onderverzekering of discussies bij schade.
What is often not or only partially insured?
Common restrictions (policy dependent)
- damage by overdue maintenance or structural defects;
- scratches, discoloration, condensation between double glazing (often no window breakage);
- damage caused by intent/recklessness;
- damage resulting from a long-term defect without intervention;
- specific objects (e.g. glass roofs/skylights) may have conditions.
Burglary damage: glass versus window frames/locks
Burglary often causes damage glass and frames. De glasverzekering ziet primair op ruitbreuk, terwijl herstel van kozijnen/slotwerk soms onder andere rubrieken valt (policy dependent).
We provide insight in advance into how the distribution works, so that you are not left with a “gray area” in the event of damage.
How much does glass insurance for real estate cost?
The premium depends on it glass surface, type glas, locatie, pandtype, verhuursituatie, Prevention en schadelast. Hieronder een praktische premie-opbouw en acceptatiefactoren (indicatief).
Most important premium factors
- m² of glass and type (HR++/safety/stained glass);
- storefront/corner location (exposure);
- zip code/crime risk;
- vacancy or renovation (reporting obligation);
- deductible and additional clauses.
Acceptance & prevention
- closing round and key management;
- approved locks, shutters (at retail);
- alarm/CCTV (depending on location);
- lighting and sight lines (anti-vandalism);
- damage history and maintenance.
This way you get a competitive premium
- combine with building/AOG in one package (discount possible);
- choose appropriate deductible per property type;
- register special glass in advance (avoid surcharges afterwards);
- prevent vacancy discussions with timely reporting;
- centralize prevention in your portfolio.
Information that we usually need for a quotation
| Element | Examples | Why this is important |
|---|---|---|
| Premises & use | address, type (shop/office/residential complex), rental/own use, vacancy | Acceptance and conditions vary by use and occupancy. |
| Glass frame | global m², facade/shop window, skylight, HR++/safety/stained glass | Type and size determine premium, limits and possible extensions. |
| Prevention | locks, shutters, alarm/CCTV, closing round | Can be decisive for acceptance and rate. |
| Wishes | deductible, desired coverage, combination with buildings/AOG/loss of rent | Makes the package fit and prevents gaps or overlap. |
You cannot derive any rights from this information; premiums and conditions always depend on the insurer and policy.
Would you like to know exactly what your real estate glass insurance costs?
Request one immediately no-obligation quote On.
Glass damage in real estate: this is how damage reporting and handling works
Step-by-step plan for window breakage
- Securing: prevent injury/burglary (fencing off/emergency facility).
- Document: photos, date/time, cause (vandalism/impact/storm).
- Report quickly: timely reporting prevents discussion about exacerbation.
- Recovery: via fixed repair route or own glazier (depending on the policy).
- Administration: invoices, reporting, possible police reporting in the event of vandalism.
We guide you with coverage, evidence and communication with the insurer.
Common “pitfalls” that we tackle in advance
- special glass not specified (HR++/safety/stained glass);
- vacancy/renovation not reported;
- prevention requirements not demonstrable (closing round/lockwork/roller shutters);
- discussion about frame/lockwork damage versus glass coverage;
- uncertainty about deductible or damage repair route.
Prevention requirements and tips to limit glass damage
Retail & skirting boards
- roller shutters or certified security (where appropriate);
- good lighting and visibility;
- closing round and key management;
- cameras/alarm (depending on risk).
Residential complexes
- glass in porches/stairwells: extra vulnerable;
- checking door closers and fittings;
- quick repair of small glassware (prevent escalation);
- house rules and reporting procedure for residents/tenants.
Offices & business units
- periodic inspection of (fire-resistant) glass and seals;
- protection at loading/unloading zones (impact risk);
- vacancy management (notification + additional measures);
- maintenance registration (important for claims).
Prevention helps doubly: fewer claims and better acceptance/premium.
Additional insurance policies that often match real estate glass insurance
building insurance (buildings)
Voor schade aan het gebouw door o.a. brand, storm, lekkage en inbraakschade (policy dependent). Glasdekking vult de ruitbreuk-component aan.
AOG (Liability O/G)
Voor Liability door gebreken aan het pand of terrein richting derden. Relevant bij verhuur, openbare ruimtes en portieken.
Loss of rent / business damage
Bij onbruikbaarheid na een gedekte gebeurtenis kan huurderving (verhuur) of bedrijfsschade (exploitatie) helpen om inkomsten/vaste lasten te beschermen (policy dependent).
Frequently asked questions about real estate glass insurance
What is glass insurance for real estate?
A glass real estate insurance (glasdekking onroerend goed) vergoedt – volgens polisConditions – de kosten van herstel of vervanging van glaspartijen na window damage. Think of windows, glass doors, facades, shop window glass and sometimes skylights or special glass (depending on the policy).
Is window breakage covered by building insurance as standard?
That is policy dependent. Een Building insurance is vooral gericht op schade aan het gebouw door gebeurtenissen zoals brand en storm. “Losse” ruitbreuk of vandalisme aan glas valt geregeld niet standaard onder opstal. Daarom wordt glasdekking vaak aanvullend afgesloten.
Is window or shop front glass included in the insurance?
Vaak kan dit, maar acceptatie en Conditions kunnen strenger zijn door hoger risico op vandalisme/impact. Wij controleren of facade/display glass is explicitly insured and whether special glass or large elements have a separate clause.
Is HR++ or safety glass insured against glass breakage?
Usually it can be insured, but this is policy dependent en kan invloed hebben op premie, eigen risico en voorwaarden. Wij nemen HR++/insulating glass en veiligheidsglas vooraf mee in de risico-inventarisatie.
What is often excluded from glass insurance?
Veelvoorkomende uitsluitingen zijn o.a. schade door overdue maintenance, krassen/esthetische schade, condens tussen dubbel glas, constructieve gebreken en opzet/roekeloosheid. Ook kunnen bepaalde objecten (bijv. glasdaken/lichtstraten) specifieke voorwaarden hebben.
What information is required for a real estate glass insurance quote?
For a quick and competitive quote, we usually ask:
- address, type of building and use/rental (including vacancy/renovation if applicable);
- global “glass list”: m², facade/shop window, skylight, special glass (HR++/safety/stained glass);
- prevention: locks, shutters, alarm/CCTV, closing round;
- damage history and desired choices: deductible and possible extensions.
Can I insure multiple properties (portfolio) on one policy?
Often one portfolio solution mogelijk. Dit kan efficiënter zijn in beheer, preventie en schadeafhandeling, en soms gunstig in premie (policy dependent). Wij adviseren wat past bij uw portefeuille en huurdersmix.
How quickly is glass damage usually repaired?
Dit verschilt per verzekeraar en herstelroute. Bij acute veiligheid (open pui/risico) is noodvoorziening vaak mogelijk (policy dependent). Wij helpen u de juiste route te volgen zodat herstel vlot verloopt en de claim correct wordt ingediend.
Want to take out real estate glass insurance? Request a no-obligation quote
Do you want your Property good and competitively priced insurance window damage? Finass Insures helpt u met een tailor-made glass insurance for real estate, tailored to the type of building, glass surface, location, prevention and rental situation.
Request a quote for real estate glass insurance
Would you prefer direct personal contact? Call 072 – 509 24 56 or email to info@finass.nl. Wij nemen uw situatie door en adviseren de beste glasdekking voor uw Property.
