Does Renters Insurance Cover Eyeglasses? 
Eyeglasses are personal property and the Renters Policy pays for personal property damaged by covered perils so in that sense , yes , eyeglasses are covered by the Renters Policy . They would also be covered by a Homeowner Policy and a Condo Policy . However , all those policies come with a deductible . A deductible is money you pay toward a claim . The insurance company pays the excess . Say , for example , it costs $ 300 to replace glasses that were damaged by a covered peril , like a fire . If you had a $ 250 deductible , you would only recover $ 50 . I would suggest , you not submit the claim . Most insurance companies have a threshold of two claims in three years . After two claims in three years , your policy will not be renewed and because insurance companies share claim information , you will not get a competitive offer from any standard insurance company . You will end up paying much , much more money for the same coverage . My advice is to raise your deductible as high as you can tolerate and save your insurance for real disasters . Your question is important and I hope I 've answered it to your satisfaction . If not , feel free to call , fax or email me . Its no problem . I answer questions like this all the time . Kevin P. Foley , CPA , CPCU PFT&K Insurance Brokers T 877-414-2031 F 877-405-3025 E kpfoley -LSB- at -RSB- kpfoley -LSB- dot -RSB- com W www -LSB- dot -RSB- kpfoley -LSB- dot -RSB- com 