What is a separate glass deductible?
Reviewed by the Skyview Auto Glass technical team — NWRD-, ASE- and DINITROL-trained technicians · Updated November 2026
Quick answer
A separate glass deductible is an optional, lower deductible that applies only to glass damage on some policies. Instead of your full comprehensive deductible, glass claims use the lower glass amount. Some policies add full glass coverage that removes the deductible entirely. Coverage varies by policy, so confirm yours with your insurer or agent.
Is there a different deductible for glass
On some policies, yes. A separate glass deductible is lower than your comprehensive deductible and applies only to glass. It is listed on your declarations page. Not every policy offers one, so whether you benefit from a separate glass deductible depends on what you purchased and how often you file glass claims. Coverage depends on your policy, so confirm with your insurer or agent whether one applies to you.
What is a glass endorsement
A glass endorsement is an optional add-on to a policy that changes how glass claims are handled. One common form lowers the deductible that applies to glass, so a windshield or car window claim uses a smaller amount than your full comprehensive deductible. Another form, often called full glass coverage, removes the glass deductible entirely.
These add-ons are listed on your declarations page. Not every policy offers them, and the details vary. Michigan, Indiana and Illinois do not require zero-deductible glass coverage, so whether you have a separate glass deductible depends on what you purchased. See our guide on full glass coverage.
A separate glass deductible only changes what you pay on a glass claim — it does not lower the deductible for other comprehensive losses such as theft or hail damage to the body. If you carry one, a windshield replacement uses the lower glass amount while other comprehensive damage still uses the standard comprehensive deductible. What applies is set by your policy, so verify the details with your insurer or agent.
How do I add glass coverage to my policy
The path from a standard deductible to a lower glass deductible, and what each option does.
| Option | What it does | Where to find it |
|---|---|---|
| Standard comprehensive deductible | Applies to glass and other comprehensive losses | Declarations page |
| Separate glass deductible | Lowers the deductible for glass only | Optional endorsement |
| Full glass coverage | Removes the glass deductible | Optional endorsement |
Ask your agent how to add glass coverage and what it changes. What applies is set by your policy.
More questions about glass deductibles
Is there a different deductible for glass?
On some policies, yes. A separate glass deductible is lower than your comprehensive deductible and applies only to glass. It is listed on your declarations page. Confirm with your insurer or agent whether you carry one.
What is a glass endorsement?
An optional add-on that changes how glass claims are handled — usually by lowering the glass deductible or removing it through full glass coverage. See our full glass coverage guide. Confirm with your agent.
How do I add glass coverage to my policy?
Ask your agent to add a glass endorsement. It may lower the deductible for glass or remove it. Michigan, Indiana and Illinois do not require zero-deductible glass coverage, so it depends on what you purchase.
Related guides
More in Insurance and claims
- Does a windshield chip repair count as an insurance claim?
- What happens if you chip the windshield on a rental car?
- Is it worth paying cash for a windshield instead of filing a claim?
- Does insurance cover windshield replacement?
- Does liability insurance cover windshield damage?
- What is full glass coverage?
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