One last bit important is whether or not you even want to claim at all. It may feel strange, threatening, or wrong to pay insurance for all of that time and not even be able to claim
something like a broken window, but considering the damages will likely be only several hundred dollars, it's sometimes smarter to avoid the premium hike. If your premium goes up significantly, it might be worth paying out of pocket and not engaging with the insurer. Another thing that has to be remembered is your deductible. How much money you have to pay before your insurer begins to cover damages. If the damage doesn't exceed your deductible, they will not be covering the issue either. All of the mentioned issues are important when you ask, 'does homeowners insurance cover window replacement?' Check your policy and decide before contacting your insurer.