Windows

Does Residential Glass Cover Your Windows?  

Bay Window

Like everything else these days, there are more choices in windows than I could possibly list here.

But here are a few:

Single Sash Window: two panels set vertically. The bottom panel moves up to open the window. The top panel generally stays in one fixed position.
Casement Window: The panel is operable, hanging on a hinge that allows the window to be opened like a door.
Awning Window: It is mounted vertically with a hinge at the top so the panel is pushed out to open. It allows air flow, but keeps out debris such as falling leaves or light rain.
Bay Window: They are not usually operable. They are useful for allowing maximum light into a room as the sun travels from one end of the sky to the other throughout the day.
Palladian Window: This is a large panel, consisting of several small panels with a curved top and usually two smaller side panels.Double Hung Window: Two panels arranged vertically and both the top and the bottom panel move all the way up and all the way down. Most popular type. 

Single Sash

Jalousie Window: This is very American. It consists of thin, staggered strips of glass that open and close at the same time, similar to a Venetian blind. 

The list is much much longer, but I'm getting bored and you are wondering when I will get to something you can use.

Do you need window coverage on your home insurance policy?

That would be useful to know- right?

Most policies will include "Residential glass" coverage for about $10 annually. This generally will cover up to $100 per pane to replace broken glass. The most common claims are a tree falling into your window or maybe a baseball hit into your window. Although I think that is less common these days thanks to shatter resistance glass technology. This will not cover leaking windows, rotting frames, worn old seals or breakage caused by fire, war or nuclear reaction.

How expensive are windows?

Specialty

Generally windows can run from $250 for basic windows to thousands of dollars for Specialty windows. The pricing varies greatly due to the different types of windows (see the partial list above) and the quality of the product and the contractor installing the windows. The more inexpensive windows will not last as long, look as nice or be as soundproof or energy-efficient as some of the more expensive options. This doesn't mean the more expensive the better. Get an experienced, certified contractor and preferably someone referred by a relative or friend you trust. 

Replacing windows can increase the aesthetic value of your home. You also want them to be functional and productive. Know your options before
making repairs. If you have the residential glass coverage, know when you can use it as well as when the coverage will not apply. If you don't have it, ask your agent if it is an option on your home insurance policy. It is a very inexpensive coverage that can save you a good bit of money!

There are three ways to request a quote for your insurance needs: 

* Visit our website

* Email us

* Call Brockman Premier Insurance at 877-987-8683