Optimal protection for building glazing
Protect windows, doors, and conservatories against breakage with the building glass breakage insurance from nextsure. Digital, fast, and reliable.
Protection for all building glass surfaces
Fast digital claims settlement
Individual tariff options selectable
What is a glass breakage insurance for buildings and why is it important?
Covers breakage damage to building glazing
Supplement to Home Building Insurance
Protection against high repair costs
Security for Property Owners
What glass damage is covered by building glass breakage insurance?
The building glass breakage insurance from nextsure offers comprehensive protection for a variety of glass damage to your property. Essentially, all glazing that is permanently attached to the building is covered. This includes all types of windows, whether single or double glazing, as well as glazing of balcony and terrace doors. Large glass facades, such as those on conservatories or bay windows, are also covered under the insurance. Furthermore, permanently installed shower cubicles made of real glass, internal glass doors, glass blocks, and profile glass are insured. Many policies also include glass or plastic skylights. Optionally, coverage can often be extended to include glass-ceramic cooktops, which can incur high costs if broken. Usually, hollow glass items such as vases, lampshades, or drinking glasses are not insured - these fall under household contents insurance. Similarly, damage to photovoltaic panels or solar collectors is usually covered by specific policies. Causes of insured glass damage can be varied, ranging from playing children to drafts, attempted break-ins, or clumsiness.
Overview of Services
Your protection for glass in construction
Window glass
Protection for all types of window glazing.
Door glazing
Protection for glass in house and interior doors.
Winter gardens
Special protection for your glass oasis.
Glass roofs
Safety for patio roofs and canopies.
Shower enclosures
Protection for fixed glass shower walls.
Glass blocks
Insurance coverage for decorative and functional glass blocks.
Glass ceramic
Optional protection for your glass ceramic hob.
Art glass
Coverage for artistically crafted glazing.
Emergency glazing
Coverage for temporary repairs after a loss.
Discover the comprehensive coverage of our building glass breakage insurance for your home.
Protection for your home?
Calculate glass breakage insurance!
Differences and Additions: Glass Breakage, Household Contents, and Residential Building Insurance
Insurance for glass damage can seem complex, as different types of insurance cover various aspects. Building insurance typically covers damage to the building caused by defined hazards such as storms, hail, or fire. While windows and doors as parts of the building are included, they are often only covered if the damage is caused directly by these hazards. Simple glass breakage due to carelessness is usually not covered. However, contents insurance protects movable items in your home, which includes furniture glazing such as glass tables, display cabinet panes, or aquariums. The building glass breakage insurance covers the gap: it is a specialised insurance that specifically covers breakage damage to permanently installed building glazing, regardless of the cause (with few exclusions like intent). Thus, it is a sensible addition to building and contents insurance to provide comprehensive protection against the often high costs of glass repair or replacement. nextsure offers you transparent tariffs that close this important insurance gap.
Costs and Factors: What does a building glass breakage insurance cost?
The cost of glass breakage insurance for buildings depends on several factors and cannot be generally quantified. A key aspect is the size and type of the insured glass surfaces; a detached house with a large conservatory tends to have higher premiums than a flat with standard windows. The type of glazing also plays a role – insulated glass is more expensive to replace than single glass. The location of the property can also be a factor, as regional risk assessments are included. Many insurers, including nextsure, offer the option to choose a deductible. A higher deductible usually leads to a lower insurance premium, but it means that you will bear part of the costs yourself in the event of a claim. The chosen scope of coverage, for instance the inclusion of ceramic glass cooktops or artistically designed glasses, also affects the price. To determine the exact costs for your individual situation, it is best to use nextsure's online calculator or request a personal quote. This way, you receive customised protection at fair conditions.
Glasbruchschaden: How to Report the Damage Correctly
In the event of glass damage, swift and correct action is crucial to ensure smooth handling by your building glass breakage insurance. Document the damage promptly and in detail. Take photos of the broken pane and the immediate surroundings, ideally before altering anything. Ensure safety: carefully remove loose glass shards and temporarily secure the opening to prevent further damage or injuries (if necessary, inquire about costs for emergency glazing). Report the damage immediately to nextsure. This can be conveniently done digitally via our customer portal or by email. Have your insurance number ready and describe the incident accurately. If possible, obtain one or more quotes for the repair or replacement of the glass and submit them along with the photos. Only proceed with repairs after consulting with us, or if emergency glazing is unavoidable, to avoid misunderstandings concerning cost coverage. Our experts will guide you throughout the entire process.
Meaningful additional components for your building glass breakage insurance
A standard building glass breakage insurance already offers solid basic protection, but nextsure allows you to expand it with sensible additional modules and tailor it to your specific needs. A commonly chosen addition is the inclusion of glass ceramic hobs, as a crack or break here can quickly become expensive. If you have artistically processed glass, such as cut, etched, or painted panes, you should check whether these are sufficiently covered in the standard tariff or if a special additional module is necessary to replace the added value in the event of damage. Extensions can also be useful for special glazing such as safety glass, soundproof glass, or special glass roofs. Plastic panes, for example on patio coverings or carports, are not always automatically insured and can often be optionally included. Carefully consider which types and values of glass are present in your property to optimize insurance coverage. Our digital advisory services will help you find the right modules for your nextsure tariff.
Household goods
Protection for Your Inventory
Residential building
Foundation for Your Home
Photovoltaics
Safe Use of the Sun
Who particularly benefits from glass breakage insurance for buildings?
A building glass breakage insurance is generally a worthwhile protection for any property owner, as glass damage can occur unexpectedly and be costly. However, it is particularly worthwhile for certain groups and types of properties. Owners of single-family homes or apartments with large window areas, bay windows, glass facades, or conservatories benefit greatly, as the potential for damage is correspondingly high. This insurance is also often very sensible for families with children, as a pane can quickly get broken during play. Landlords can usually allocate the cost of building glass breakage insurance to tenants through additional costs, protecting themselves from unforeseen expenses while offering an extra service to their tenants. Those who value comprehensive protection of their property and wish to avoid financial surprises from expensive glass repairs will find a reliable partner in nextsure's building glass breakage insurance. Assess your individual needs – often the premium is lower than expected compared to potential repair costs.
Prevention: How you can prevent glass damage to buildings
Although a good building glass breakage insurance provides coverage in the event of a claim, prevention is always the best protection. There are various measures you can take to minimise the risk of glass damage to your building. During new construction or renovation, ensure the use of safety glass (ESG, VSG) in vulnerable areas such as floor-to-ceiling windows or glass doors. Regularly check the condition of window and door frames, as well as seals; brittle seals or warped frames can cause tension in the glass. If necessary, apply transparent safety films to large glass surfaces to prevent or hinder shattering. Be particularly cautious during renovation work near glass surfaces. Educate children about the dangers of playing with balls near windows. In the event of storm warnings, secure loose objects outdoors and, if necessary, close the shutters. By acting prudently and taking preventive measures, you can help keep your glass surfaces intact for a long time and reduce the need for insurance payouts.
nextsure: Your digital partner for building glass breakage insurance
nextsure is your modern, digital partner for specialised insurance solutions like building glass breakage insurance. Our mission is to offer you tailor-made and easy-to-understand coverage that you can conveniently conclude and manage online. With building glass breakage insurance, you benefit from our expertise in niche insurance and our fully digitalised process chain. From tariff calculation to application and claims reporting – everything works quickly, transparently, and paperlessly. Our Unique Value Proposition, the unique combination of an extensive niche portfolio, expert advice (also digital), and efficient processes, ensures that you receive precisely the protection you need. We focus on SEO-optimised, clear information so that you understand all aspects of your insurance. Rely on nextsure for modern and reliable protection for your building glass, which adapts flexibly to your life situation.
What exactly is insured?
Several common misconceptions and myths about glass insurance can lead to uncertainty or a misjudgment of one's own insurance needs. A frequent misconception is the assumption: "My home insurance already covers all glass damage." In reality, home insurance often only provides coverage for damage caused by specific risks like storms or hail, and not for simple breakage due to carelessness. Another myth: "Glass breakage happens so rarely, I don't need extra insurance for it." Statistically, however, glass damage is among the more common cases of home damage, and even replacing a single insulating glass pane can cost several hundred euros. The notion that glass insurance is only for luxury properties with huge glass fronts is also incorrect. Even standard glazing is expensive to replace. Finally, there is the concern: "Insurance never pays out in the event of a claim anyway." At nextsure, we emphasise transparent conditions and fair, prompt claims settlement, provided the damage is covered and correctly reported. Make informed decisions to ensure the right protection for yourself.
