What I mean by this is homeowners coverage applies to the house as a whole and will only indemnify you if a covered peril occurs.
However, you really need to look at your deductible before you file a claim. If the cost of replacing the window is less than your deductible, then you should just pay for it out of pocket.
In summary, start with the cost of your deductible versus the cost of replacing the window. If it is worth it to make a claim then make sure windows are not specifically excluded.
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What I mean by this is homeowners coverage applies to the house as a whole and will only indemnify you if a covered peril occurs.
However, you really need to look at your deductible before you file a claim. If the cost of replacing the window is less than your deductible, then you should just pay for it out of pocket.
In summary, start with the cost of your deductible versus the cost of replacing the window. If it is worth it to make a claim then make sure windows are not specifically excluded.