Which issue does the Homeowners Basic Form (IBC1151) cover regarding glass breakage?

The Homeowners Basic Form (IBC1151) provides coverage for specific types of accidental glass breakage, and damage caused by a stray ball is included within these provisions. This type of coverage ensures that if glass—such as windows or glass doors—breaks due to an external force like a stray ball, the homeowner can seek financial compensation for the replacement or repair costs.

The rationale for this coverage is based on the acknowledgement that such incidents are often unpredictable and accidental, allowing homeowners to mitigate the financial impact of unexpected events that could lead to glass breakage. Other scenarios, such as those related to weather conditions, damage occurring during social events, or issues arising from faulty installations, generally fall outside the basic coverage limits of the Homeowners Basic Form, which is designed to provide protection against sudden and unforeseen circumstances rather than incidents related to environmental conditions or negligence.