Hello,

I live in a rental apartment with one of the immobilien groups in Hamburg. I broke an indoor glazed door's glass when I slipped and had to balance on it. I have a a contents insurance (Hausratversicherung) with a glass add on, that covers glass. When I read through the terms of the insurance, it seems to cover the glass breakage when the broken item is mine and is for private use.

In this case, technically I have rented the apartment and is for my private use. Will this be covered? Or the Immobilien group owns the apartment and is not covered?

I cannot find a liability insurance (Haftpflichtversicherung) that covers glass breakage.

Could you suggest me ways to deal with this in the best possible way?

Worst case, How much will it cost me to fix the glass on the doon from my pocket in Hamburg?

by IntroductionBasic645

8 comments

  1. Just ask your insurance, they will tell you if they cover it.
    It seems to be one layer glass. Shouldn’t be too expensive to get a new one. Google a Glaserei and ask them

  3. Because of stuff like this I’d always keep liability and glass insurance with the same company. Less likelihood of them trying to pin responsibility on the other one of the other one would be themselves. Same for building and contents insurance when you own the house.

    Just call your insurance, tell them what happened and ask them to cover it. Either they will and all is fine or they won’t and you haven’t lost anything.

  4. Get rid of that Glasbruchversicherung. It’s the less sensible insurance you can have right after Sterbegeldversicherung, mainly for the exact reason u found: that it won’t cover rented stuff.

    I once broke a glass pane bit more fancy than urs in a new apt (of course!) and had the Glaser put in a more robust one. Paid around 120 bucks total, so work and the new glas.

  5. Apart from insurance. Handle the actual shards with care! You can get nasty cuts from them when trying to remove them and then others get loose and fall on your hand.

    I have had a patient that tried this drunk and almost slit his radial artery. He hat to get numerous stitches and his flat looked like a slaughterhouse.

  6. Same happened to me once. Went to the local hardware store, they had the same glass pane, same structure, right size, also a roll of foam rubber tape for a couple euros. Changed it myself, good as before.
    Shouldn’t be a big thing to repair, those glass panels are nothing fancy. But on my door the glass frame is screwed, yours looks like it’s glued. Bit more of a hassle.

  7. I am no expert, but i would say “handle with care” (the next time)

  8. It should be covered.
    If you have to pay for the repairs, it could be approx 250-300 max with glass, replacement and disposal of the old glass

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