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Are Broken Windows Covered by Home Insurance?
An Expert Guide on Claims

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InsurerGeneral CoverageSpecific Glass Coverage
AAMIGlass insurance as part of home insuranceCovers broken windows with excess depending on cover level; offers excess free glass cover as an add-on
NRMACovers accidental glass damageCovers glass windows, doors, cooktops, oven doors, china sinks, showers, toilets, and baths
GIOHome and Contents Insurance covers glass damageCovers glass doors and windows against damage from weather, accidents, vandalism; offers optional Excess-free Glass cover
Budget DirectHome & Contents insurance includes glass coverageCovers loss/damage to glass windows, fixed glass in doors, skylights, shower screens, balcony/pool fences, and fixed-glass panels including solar heating
AllianzContents Insurance coverageCovers accidental breakage of glass that forms part of your contents in your home
YouiHome Insurance coverageCovers broken glass and ceramics​​


Table of Contents

Glass insurance is an essential aspect of home insurance that covers the repair or replacement of glass windows, doors, and other fixtures in the event of accidental damage. Splendid Window Glass Repairs is here to guide you through the process and help you understand the options available from major insurers such as AAMI, NRMA, and GIO.

What is Glass Insurance?

Glass insurance covers the cost of repairing or replacing glass that has been accidentally damaged. This includes glass in windows, doors, skylights, and shower screens. It’s important to note that the coverage may vary depending on the insurance provider and the specific policy.

Should You Make a Claim?

Before rushing to make a glass insurance claim, it’s crucial to evaluate your circumstances and consider the long-term impact on your insurance policy. Many insurance policies have an excess fee that you must pay for each claim. This excess can range from $100 to $1200.

If the cost of repairing your glass is close to the excess amount, it might not be worth making a claim. Additionally, some insurance policies might increase your annual premium for the subsequent year if you make a claim.

Regardless of whether you decide to make an insurance claim, Splendid Window Glass Repairs is committed to providing swift and dependable service. Our service is backed by an industry-leading 10-year warranty, and our professionals are fully qualified, insured, and have undergone background checks.

Simplified Insurance Procedure with Splendid Window Glass Repairs

Thanks to our established relationship with insurance companies, Splendid Window Glass Repairs can help you process your insurance claim with ease. Here’s how straightforward it is:

  1. Call Splendid Window Glass Repairs.
  2. We respond promptly and replace your broken glass.
  3. Pay your insurance excess directly to Splendid Window Glass Repairs.
  4. Contact your Insurance Company to obtain a claim number.
  5. Provide your claim number to Splendid Window Glass Repairs.
  6. Splendid Window Glass Repairs bills your insurance company directly*.
  7. Your insurance company pays Splendid Window Glass Repairs the balance owing.

*Please note that some insurance companies may prefer to reimburse you directly. In such cases, you will need to pay the full amount to Splendid Window Glass Repairs, and your insurance company will reimburse you. Our glazier will inform you if your insurance company accepts direct billing or if you need to seek reimbursement from your insurer.


Understanding your glass insurance options and making informed decisions is essential in protecting your property. Splendid Window Glass Repairs is here to assist you with all your glass repair and replacement needs, as well as guide you through the insurance claims process.

Please contact Splendid Window Glass Repairs on 02 8880 6429 for more information and assistance with your glass insurance claims.

Picture of Khalil Chahine
Khalil Chahine

Khalil is the owner of Splendid Window Glass Repairs and has over 8 years experience as a glazier specialising in window glass repair, replacement and installations. Khalil takes great pride in his work and prides himself on providing an excellent service to all of his customers, no matter how big or small the job may be.