Glass damage and your insurance: how it works
Buildings cover, glass cover or landlord: who pays for the broken pane — and why you choose your own glazier.
For an owned home, glass breakage often falls under buildings insurance or separate glass cover (sometimes a module on the contents policy). Storm, hail, burglary or a stray ball: many policies cover sudden breakage, but wear and failed insulated units (condensation between the glass) generally fall outside. Policies differ — check your own terms and mind the excess.
Renting? Then glass repair often runs via the landlord or a glass fund you contribute to through the service charges. Report the damage to your landlord or manager in writing and ask how the glass fund works before commissioning anyone yourself.
The practical route: take photos before cleaning up, close the opening (or have it done via an emergency repair, € 150-450) and keep the glazier's invoice. In many cases you simply submit that invoice to your insurer yourself. Good to know: we are not an insurers' claims network — here you choose your own glazier, even if your insurer suggests its 'own' repair company. That is allowed; feel free to compare both quotes.
If the damage is not covered, the price index tells you upfront where you stand: replacing a pane costs € 150-1,000 per pane, depending on size and glass type.