Does Home Insurance Cover Air Conditioning?

A new home insurance policy covers injures and losses to one’s home. What many homeowners do not believe and wonder is: does new home insurance cover air conditioning? Say your air conditioner is injured, needs repair, or is old and needs to be replaced. Is it covered? The first thing you need to believe is that new home insurance doesn’t cover an old or in need of repair AC. A new home warranty might cover that. In certain scenarios, new home insurance may cover an AC. Fire, water, theft, vandalism, and weather-related injure are all possible causes that can be covered. You may be covered by your new home insurance if your A/C is injured by awful weather such as lightning, hail, or winds. Your new home insurance may also cover your unit if a tree fell on it and injured it. Your new home insurance may also cover your A/C if it is injured by fire or if a pipe bursts that requires you to repair or replace it. Flood injure to your A/C may not be covered by your new home insurance. A/C units are rarely stolen, however your new home insurance may cover injure caused by vandalism to your unit. You may need to file a police report before filing an insurance claim if your unit is stolen or vandalized. Now that you’ve learnt how homeowners insurance covers Heating and A/C, how do you file the claims? Before you file any claims, it’s vital that you first read and understand the satisfied of your homeowners insurance policy. When filing a claim, take a clear picture of the injured AC, note down the A/C model and serial number, talk to your insurance adjustor, keep receipts for any repairs done, and give receipts to your insurance provider for reimbursement.



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