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Broken window, cracked shower screen or damaged fixed glass? Accidental glass breakage is included with NRMA Home Insurance policies, so you can get help repairing or replacing covered glass at your home.
Limits, exclusions and conditions apply. Read the relevant Product Disclosure Statement for full details.
What’s covered depends on the type of NRMA Home Insurance policy you have.
If you have Building Insurance, we can cover accidental breakage of fixed glass, ceramics (porcelain) and similar fixtures (like acrylic fibreglass) that form part of your home, such as:
If you have Contents Insurance, we may be able to cover accidental fixed glass breakage in some of your belongings, like:
If you have Home Building and Contents Insurance, you’ll have cover for both your building and belongings.
Home Building Insurance covers broken glass when it’s accidental. This means the damage that occurred was unplanned and unintentional.
For example, your window may be covered if it’s broken by:
When you make a claim, we’ll look at what happened, the cover you have, and the terms, limits and exclusions in your policy.
We’re here to help when glass breaks because of an accident, like when a backyard cricket game goes wrong, or a new picture frame falls from the wall after an earth tremor. If your window is damaged because of incidents like these, we can help cover the reasonable cost to repair or replace it.
Unfortunately, we don’t cover damage that’s caused by wear and tear or age over the years. So, if you’ve got a window that’s old, rotting or needs replacing, consider arranging repairs with a trusted tradie.
Glass cover doesn’t apply in every situation. For example, we won’t cover:
Check the PDS for the full list of exclusions and conditions.
Home Contents Insurance helps cover the belongings you keep in your home, including some items with fixed glass.
This can include items like furniture, mirrors, light fittings, and picture frames. It doesn’t cover fixed glass that forms part of the building, like windows or external doors.
Home Building Insurance helps cover the physical structure of your home if it’s damaged or destroyed by a covered event.
This can include fixed glass that’s part of your home, such as windows, doors, shower screens, cooktops, oven doors and more.
Home Building and Contents Insurance can help provide cover for fixed glass that’s part of your building, as well as fixed glass in your insured contents. If we authorise and pay for repairs to your home, you’ll also get our lifetime guarantee on the workmanship for the authorised repairs.
An excess is the out-of-pocket amount you pay towards a claim.
The number of excesses that apply, and how much you pay, will depend on what happened, and what your policy covers. These can be found on your Certificate of Insurance.
Accidental glass breakage is covered in all our Home Insurance policies.
Choose the cover that suits your home. Building Insurance can cover fixed glass in your home’s structure and fixtures, while Contents Insurance can cover fixed glass in certain belongings.
If your claim is covered, we can help organise repairs for you through our partner repairers and suppliers, so you don’t have to manage it all yourself.
Yes, Home Building Insurance can cover broken windows if they’re accidentally damaged.
Your cover depends on what caused the damage and the terms, limits and exclusions in your policy.
Yes, if your windows are damaged or need replacement due to a covered event, such as a storm or flood, we can cover the cost of replacement.
No, Home Insurance doesn’t cover loss or damage caused by rot, ageing, wear and tear, or gradual deterioration.
No, Contents Insurance doesn’t cover broken windows.
If you want cover for windows, doors, shower screens and other fixed glass that’s part of your home, consider Buildings Insurance.