Windows are buildings · loose glass items · tenants

Is glass covered by home contents insurance (inboedelverzekering)?

Windows in your home are buildings, not contents. What stands loose in the house is contents.

Deze pagina in het Nederlands: Is glas verzekerd bij de inboedelverzekering?.

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A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

Windows in the home

Windows, door panes and glass frontages are fixed in place and belong to the buildings. On many buildings insurance policies glass is included as standard. On others it is a separate module.

Check whether glass appears on your policy schedule; replacing a large pane quickly runs to hundreds of euros.

If you rent

Glass insurance is then generally with the landlord, because it concerns the building. But the tenancy agreement may place it with you; read it through.

What you had installed yourself — a glass partition, a conservatory — is tenant's improvements and falls outside the landlord's policy.

Loose glass items

A glass tabletop, a mirror or a display cabinet is home contents. If it breaks in a mishap, it is only covered under comprehensive cover.

In a flat

The windows in the facade belong to the VvE; that insures the building. Glass inside your flat that you installed yourself is an owner's improvement.

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Frequently asked questions

This is what people ask us most.

Is glass contents or buildings?

Windows are buildings; loose glass items such as a tabletop are contents.

Who insures the glass if I rent?

Generally the landlord, but read your tenancy agreement.

What if I installed a glass wall myself?

That is a tenant's or owner's improvement; insure it separately.

Is a broken mirror covered?

As contents, but only under comprehensive cover.

What applies in a flat?

The windows in the facade belong to the VvE policy.

Is glass covered as standard?

On many buildings insurance policies it is. On others it is a separate module.

What is covered and what is not

What is covered

Situation	Extended	Comprehensive
Your glass tabletop breaks because you lower a heavy pan onto it	No	Yes
A mirror falls off the wall after the fixing works loose	No	Yes
The glass doors of your display cabinet are smashed during a burglary	Yes	Yes
The glass oven door of your free-standing cooker cracks in a pan fire	Yes	Yes
The glass of your aquarium cracks without anything having hit it	No	Provided that
The window of your conservatory is smashed by a flying roof tile	No	No

A window fixed in the home always goes through the buildings policy, even if the shards damage your contents.

Is glass covered by home contents insurance (inboedelverzekering)?

Windows in the home

If you rent

Loose glass items

In a flat

Read more

Within Inboedelverzekering

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Also relevant

Service

Frequently asked questions

What is covered and what is not

Is glass covered by home contents insurance (inboedelverzekering)?

Windows in the home

If you rent

Loose glass items

In a flat

Read more

Within Inboedelverzekering

Similar pages

Also relevant

Service

Frequently asked questions

What is covered and what is not

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