Your window can also break without any human intervention. The most common causes can be fire, theft, or natural disasters. However, most of these come under a covered peril. So, you don't have to worry if someone breaks your window to steal something or if your window gets damaged due to a hurricane. At the same time, every policy has its own set of coverages as well as exclusions. Therefore, you should carefully examine the policy with the help of an independent insurance agent.