Glass and sanitary items that are considered to be permanent fixtures are mostly protected under a standard policy. Some examples include the glass of a ceramic hob, oven doors, fixed glass of doors and windows. Please note that the concept that they are permanent fixtures is central.
Also, if a window is damaged the cost of repairing the frame is not included under this part of the coverage. You should read the wording and ask your insurance provider about this, especially as broken windows are not uncommon.
If a property is not occupied then this type of damage is normally excluded from a standard policy.
