This is state specific. Some states require insurers to cover glass for free; others not. Within a state, policies may vary too of course; hence the shop around suggestions. Also, while replacing the windshield hopefully is a rare occurance, fixing chips is not. That costs under $100 but you may need it multiple times a year. With a deductible that is going to basically be on you.
2014 1/2 Thor Challenger 37KT