Glass Breakage Insurance in the Dominican Republic: Why Every Homeowner Should Consider It

Why Glass Breakage Insurance Matters

Owning a home or condo in the Dominican Republic means dealing with strong winds, tropical weather, and everyday accidents. Standard property insurance covers major risks such as fire, hurricanes, and earthquakes, but many policies do not automatically include glass breakage coverage.

This optional add-on, offered by insurers like Seguros Reservas and Seguros Universal, provides peace of mind for homeowners with valuable glass features such as sliding doors, large windows, skylights, or mirrors.

What Does Glass Breakage Insurance Cover?

Glass breakage coverage reimburses the cost of repair or replacement when fixed glass is accidentally damaged. This includes:

• Windows and sliding doors (common in beachfront properties).

• Mirrors and decorative glass panels inside the home.

• Glass partitions, skylights, and shower doors.

Example scenarios:

• A child playing with a ball shatters a sliding glass door.

• A storm sends debris crashing into a window.

• A household accident cracks a bathroom mirror.

Why Every Homeowner Should Consider It

1. Tropical climate risks: High winds, storms, and hurricanes increase the likelihood of broken glass.

2. High replacement costs: Imported or custom glass can be expensive and difficult to replace.

3. Frequent accidents: From cleaning mishaps to playful children, accidents happen more often than expected.

4. Added value to your policy: For a small additional premium, you gain financial protection and convenience.

How It Complements Standard Coverage

While property insurance already protects against catastrophic events like hurricanes or earthquakes, those deductibles are usually 2% of the insured value per event. Glass breakage insurance, on the other hand, provides specific protection for everyday risks with lower deductibles and faster claims processing.

Final Thoughts

Glass breakage insurance is an affordable way to strengthen your property protection in the Dominican Republic. Whether you own a villa in Punta Cana or a condo in Santo Domingo, this add-on ensures that small accidents don’t turn into costly headaches.

Why Choose Hernández Peguero Insurance Brokers?

We work with the top insurers in the Dominican Republic and help you understand the difference between standard coverage and valuable add-ons. Our personalized proposals highlight glass breakage and other extras so you can make the best decision for your home.

Ready to Protect Your Home?

📞 Call/WhatsApp: +1 (849)514-9838
📧 Email: info@hernandezpeguero.com
🌐 Website: www.hernandezpeguero.com