Sure for Real Estate

Glass insurance for your homeowners' association

Written by Zeker voor VvE | Dec 4, 2025 12:24:47 PM

Glass contributes to the appearance and safety of your building. Large windows, glass doors, or balustrades provide light and openness. However, glass can also break—due to storms, vandalism, or accidents. As a homeowners' association, you do not want this to lead to unexpected costs or uncertainty about who will pay. 

That is why glass insurance is often indispensable. 

 

1. What does glass insurance cover? 

In most cases, glass insurance covers: 

  • Glass in windows and doors 
  • Glass in common areas (e.g., stairwells) 
  • Sometimes also glass in elevator shafts, skylights, or balcony partitions 
  • Repair and installation costs for new glass 

 

Please note: Coverage often applies to permanently installed glass (i.e., not loose mirrors or display cases). 

Special finishes (e.g., colored, laminated, or HR++ glass) must be specified separately. 

 

 

2. Why is this important for homeowners' associations? 

Prevents discussion: Clear who pays for what damage 

Fast processing: Damage is often paid directly by the insurer to the glazier. 

Affordable premium: Because costs are shared by all owners 

Mandatory with some mortgage lenders 

 

3. Tips to prevent glass breakage

  • Place protective strips on doors that are subject to heavy traffic. 
  • Ensure that you have good locks so that doors do not slam shut. 
  • Regularly check the condition of window frames and rebates. 
  • Use safety or laminated glass in vulnerable areas. 

 

Read also: Fire safety during the holidays, where safety also plays a major role. 

 

4. What about damage in private apartments? 

In many homeowners' associations, glass insurance also covers glass in private homes. 

 

Please check:

  • Whether this is stated in the policy
  • Whether residents themselves have any additional requirements (e.g. for special types of glass)

 

5. What to do in case of glass damage? 

  • Take photos of the damage 
  • Note the date, time, and cause (if known). 
  • Report the damage immediately to the board or the manager. 
  • Prevent further damage (e.g., cover with plastic sheeting in case of rain)

 

6. Want to read more about relevant topics? 

Building insurance → How glass is often included in the coverage 

Storm damage and insurance → What is and isn't covered by the policy 

Maintenance plan → Include glass inspection in your MJOP 

 

Help from our HOA experts 

We help you take out or check your glass insurance and ensure that it fits seamlessly with your home insurance policy. 

Call our HOA experts at 010 – 288 44 73 or send an email to vve@schoutenzekehreid.nl  

 
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