Does homeowner’s insurance cover AC?

Homeowner’s insurance is designed to provide coverage for damages and losses to your home and personal property. However, there are certain situations where your homeowner’s insurance policy may cover your air conditioning (AC) unit.

Section I of a standard homeowner’s insurance policy covers the physical structure of your home, including attached structures such as your garage, and any personal property located on the premises. In most cases, AC units are considered part of the physical structure of the home, so they are covered under Section I. However, the coverage for AC units may be limited, depending on the cause of the damage. For instance, if your AC unit is damaged due to a covered peril such as a storm, lightning, or a fallen tree, your insurance policy may cover the cost of repairs or replacement.

On the other hand, if your AC unit breaks down due to age, wear and tear, or lack of maintenance, your homeowner’s insurance policy typically will not cover the cost of repairs or replacement. Always review your homeowner’s insurance policy to understand the specifics of your coverage for AC units. Some policies may exclude certain causes of damage or have limitations on coverage amounts.

In some cases, you may be able to purchase additional coverage for your AC unit through an endorsement or rider to your homeowner’s insurance policy. This type of coverage may provide protection for AC units that are damaged due to causes not covered by your standard policy, such as mechanical breakdowns.

In conclusion, homeowner’s insurance may cover your AC unit if it is damaged by a covered peril, but it’s important to review your policy and understand any limitations or exclusions. Regular maintenance and upkeep of your AC unit can also help prevent damage and prolong its lifespan.