Is glass covered by home contents insurance (inboedelverzekering)?
Windows in your home are buildings, not contents. What stands loose in the house is contents.
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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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- What exactly counts as home contents?
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Also relevant
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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.