Does Home Insurance Cover Air Conditioning?

A home insurance policy covers damages and losses to one’s home.

What many homeowners don’t know and wonder is: does home insurance cover air conditioning? Say your air conditioner is damaged, needs maintenance, or is old and needs to be replaced.

Is it covered? The first thing you need to know is that home insurance doesn’t cover an old or in need of maintenance AC. A home warranty might cover that. In certain scenarios, home insurance may cover an AC. Fire, water, theft, vandalism, and weather-related damage are all possible causes that can be covered. You may be covered by your home insurance if your AC is damaged by bad weather such as lightning, hail, or winds. Your home insurance may also cover your unit if a tree fell on it and damaged it. Your home insurance may also cover your AC if it is damaged by fire or if a pipe bursts that requires you to repair or replace it. Flood damage to your AC may not be covered by your home insurance. AC units are rarely stolen, but your home insurance may cover damage 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 HVAC, how do you file the claims? Before you file any claims, it’s vital that you first read and understand the content of your homeowners insurance policy. When filing a claim, take a clear picture of the damaged AC, note down the AC 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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