Will renters insurance pay out after a rock was thrown at my window?

Some kid threw a rock at the window of the apartment I'm renting and broke it. Will renters insurance cover the cost of fixing the window?

Answer

Unless the child who threw the rock belongs to you, your renters insurance will not cover the cost to repair the window. The parent of the child who threw the rock is responsible for the damage; they could claim it under their homeowners or renters policy using their liability coverage.

Alexah Grinnell

Answered on Mar 08, 2021

Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

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