Table of Content
- Home Insurance Tips
- When Does Homeowners Insurance Cover AC Units?
- Which types of appliances are covered by insurance?
- Does Homeowners Insurance Cover An AC Unit or HVAC System?
- Supplemental Policies
- When Does Homeowners Insurance NOT Cover HVAC?
- Why Are There So Many Ladybugs In My House? What You Need To Know!
You need to have special federally backed flood insurance to cover flooding. Some regions suffer from bad wildfires, and those won’t be covered under certain policies. Many policies have special exclusions based on regional hazards that will not be covered. If your AC breaks due to any of these special exclusions, then the air conditioner will not be covered.
You can buy homeowners insurance from most major insurance providers, such as State Farm, Progressive and GEICO. Smaller insurance companies, like Hippo and Lemonade also offer homeowners insurance. Hail is another weather-related incident that will trigger homeowners’ insurance coverage. If your external AC unit gets battered by hail, it can damage the unit. Hail can also damage or disconnect the power cables and freon carriers from the unit, which can cause serious damage.
Home Insurance Tips
On the other hand, if your air conditioner breaks from normal use or age, your homeowners policy provides no help. Central air conditioners are covered as part of the main structure, while window units count as personal property. Homeowners insurance policies pay for any property covered under your policy damaged or destroyed by a covered peril. For example, air conditioning counts as property covered as long as it is damaged by a covered cause. However, maintenance issues, such as broken parts or the replacement of an aged system are disqualified because wear and tear do not count as covered perils.
Neither your home warranty nor your homeowners insurance policy will typically cover you if you damage your AC unit, or if you fail to properly maintain the system. For example, if it is determined that you never changed your air filter, even your home warranty will likely not cover the breakdown of your AC. Some home warranties won’t cover standalone units unless you opt to purchase appliance coverage separately. This means damage to your central air conditioner caused by a covered peril would be covered up to your dwelling coverage limit. The coverage differences with a window unit aren’t huge, but you should be aware of them. Standard homeowner’s insurance won’t cover flooding in many cases.
When Does Homeowners Insurance Cover AC Units?
If you’re not happy with the amount of coverage you currently have, it’s essential to compare quotes until you find a provider you’re satisfied with. By shopping around, you may even be able to lower your insurance rates. Your home insurance may also cover your AC in the event that your AC gets damaged by fire, or there's a pipe burst that would force your unit to be repaired or replaced.
While dwelling and personal property coverage often have overlapping covered perils, personal property coverage tends to have a narrower scope. You don’t need to buy coverage on top of your homeowners insurance to protect your AC unit. Most policies automatically cover AC units from perils such as fires, lightning, fallen trees, theft, vandalism and more. Yes, your homeowner policy will cover many situations, but you should know about all exclusions. For example, most insurance companies won’t cover damage related tocatastrophes like floods and earthquakes.
Which types of appliances are covered by insurance?
If your AC craps out after 14 years of hard use on a sunny day, your insurance company will not cover it. Homeowners’ insurance is not a home warranty or any type of warranty. Air conditioning units will eventually fail due to age but that has nothing to do with your insurance. Many or all of the products here are from our partners that pay us a commission. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Compensation may impact the order of which offers appear on page, but our editorial opinions and ratings are not influenced by compensation.
While both coverages provide protection from various perils, they typically don’t cover normal wear and tear. An insurance policy will cover damage to an air conditioner if it occurred as a result of a covered peril. It will not pay for damage to an AC unit or to other HVAC equipment if the damage occurs as a result of normal wear and tear. Your homeowners insurance policy defines covered perils in its documents.
Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate.
Over the years, he has developed a keen interest in a wide variety of DIY projects around the home. Fascinated by all sort of tools, Pete loves reading and writing about all the latest gadgets and accessories that hit the market. As the founder of House Grail, Pete's primary goal is to help consumers make educated decisions about DIY projects at home, in the garage, and in the garden. The only way to know for sure whether your AC or HVAC will be covered is to read the policy for yourself. Ensure you have a copy of the police report in the event of vandalism or theft of your unit. If your unit is new and you dropped it in the installation process, replacing it will be under your care.
Similarly, if someone steals or destroys your HVAC system, you’re protected. Lightning is another common severe weather incident that can cause a ton of damage to an HVAC system. Lightning can fry the electrical components in an air conditioner or blow the unit itself. Theft of an AC unit is quite rare, however if your unit got damaged due to vandalism, it may be covered by your home insurance.
Expect to pay between $4,350 and $12,000 to replace an outside AC unit, which includes permit fees and labor. If there is a fire in your home or a pipe bursts suddenly and your AC needs to be repaired or replaced as a result, you may be covered by your homeowners insurance policy. If water damage results from flooding as a cause of loss, your unit may not be covered. Lightning strikes and fire If a fire destroyed your AC unit, your homeowner’s insurance policy would cover AC repair or replacement. Your home insurance policy would also pay for replacement if lightning were to strike your AC unit and damage the electrical components.
Since an HVAC system is an integral part of your home, in most cases, similar grounds for homeowners coverage apply. Knowing its proper usage and adhering to its technical specifications assure you of a longer service and better return on your investment. Like most insurance policies, your homeowner’s insurance policy could be unique to your property or province. Reach out to our advisors at APOLLO Insurance today to get custom insurance that’s suited to your specific needs. For example, an air conditioning unit that fails or ceases to function after fifteen years of use will not be covered by your home insurance. In that case, you would be solely responsible for the cost of repairing or replacing your AC unit.
Availability of products and service depends on licensing and product availability. The information that appears on this page is provided for information purposes only. Advertised products and prices are not guaranteed and vary based on insurance provider and/or insurance company’s discretion and product availability. Whether insurance covers condensation damage depends on the cause of the condensation. Left unchecked, it could cause damage to your home and its contents.
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