Do home warranties cover windows?

Check window coverage to avoid costly surprises later

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    country home with large windows

    Your kid learning to play baseball, your lawnmower throwing sticks everywhere, the neighbor’s kid throwing rocks — there are a lot of things that can break your windows.

    Being prepared with window coverage is a good idea. You probably won’t get window coverage from your home warranty, though. Read on for more details and alternatives.

    Key insights

    • Home warranties usually don’t cover windows.
    • Your windows may be covered by a manufacturer’s warranty.
    • Check with your home insurance company to see what kind of coverage you have for windows.

    What window issues does a home warranty cover?

    Home warranty companies offer plans that cover appliances and systems throughout your home. However, they normally don’t cover structural elements, including windows.

    Some things that home warranties do cover:

    • Washers and dryers
    • Garbage disposals
    • Refrigerators
    • Dishwashers
    • Central vacuums
    • Garage door openers
    • Oven, range and cooktops
    • Built-in microwaves
    • Trash compactors
    • Pool and spa pumps
    • Stand-alone freezers

    What to do if your home warranty doesn’t cover windows

    The good news: Your windows are likely covered to some degree. Your homeowners insurance probably covers window replacement.

    Plus, if your windows are newly installed, they probably have a manufacturer’s warranty. If your home is new, the windows may be covered under a homebuilders warranty.

    » COMPARE: Home warranty vs. home insurance

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    What does a home warranty typically cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Do manufacturer’s warranties cover glass breakage?

    Some warranties do cover glass breakage. Be sure to check the paperwork that came with your new windows to learn about your specific warranty terms.

    Does a home warranty cover foggy windows?

    No, home warranties typically don’t cover any issues related to windows.

    Bottom line

    While your home warranty probably won’t cover the repair or replacement of damaged or faulty windows, you might still have coverage. Check your home insurance policy, the manufacturer’s warranty and your homebuilders warranty (if applicable) to see if any of them cover your window issues.

    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. Universal Windows Direct, “The Homeowner’s Guide to Understanding Replacement Window Warranties.” Accessed Feb. 13, 2024.
    2. Federal Trade Commission, “Warranties for New Homes.” Accessed Feb. 13, 2024.
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