Mirrors can provide a lot of benefits to the interior of a home. They can create the illusion of more space and increase the amount of light. More expensive and elaborate pieces can be featured in the same manner as works of art. If something happens, a homeowner's insurance policy may cover them, but there are some things that should be considered before deciding to make a claim. Insurance claims on mirrors Home contents insurance generally covers items in your home from damage and theft. However, be aware that most insurance policies have an excess of around £100-£200, so if a mirror is worth less than that it may not be worth it to make a claim. Filing a claim is also likely to increase premium prices in subsequent years. If you have a large excess to pay, it might make more sense to use that money to buy a brand new mirror instead of losing your no claims discount. *Damage to mirrors - Typical policies will cover damage to property that is caused by fire, flood and accidental damage. If your home’s mirrors are damaged due to a fire or flood then they should be covered by your home insurance policy. However, you will need to check with your insurance company that accidental damage cover is included on your policy, as sometimes this is an optional extra that needs to be added on. *Theft – Most policies will cover the theft of a mirror if the house is burgled. In addition, most standard policies will also offer protection against damage caused by other criminal behaviour on the home, such as rioting or vandalism. *High-priced items – Home contents insurance usually has a maximum amount it will pay out for individual items. If an expensive mirror has been specially ordered or is ornately decorated, and will be expensive to replace it may be necessary to purchase an additional policy to be sure the extra value is covered. Again, it is a good idea to give your insurer a list of specific high value items to make sure they are properly covered. Most insurers set a limit of around £1000-£2000 per item. *Other exclusions - Damage caused as a result of a willful act committed by one of the residents of the house will not be covered by your policy. It may go without saying, but caution should be exercised when hanging a mirror because damage caused from dropping it may not be covered either, depending on the conditions of your accidental damage cover. *Replacement – Decide what sort of replacement will be desired if something happens. New for old coverage replaces the mirror at a value as if the item is new. Actual cost coverage will only pay a portion of what the item is worth based on its depreciation. *Keep records - Be sure to keep receipts when mirrors are purchased in order to make the claim process go as smoothly as possible. It is also a good idea to take photos of them when placed in the house to provide even more physical proof. Mirrors can easily enhance a home and come in a variety of shapes, sizes and styles. Home insurance will cover damage done to them under typical circumstances, including some acts of nature. A policy will also replace them if the home is broken into and they are stolen. However, it is worth knowing how much excess you have to pay in the event of a claim and comparing this to the cost of purchasing a new mirror. In many cases it makes more sense to simply buy a new mirror rather than pay the excess on your insurance and end up paying a higher premium the following year.