Does Home Insurance Cover Air Conditioning Units?

​Homeowners' insurance is property insurance that usually covers damages to a person's residence, furniture, and properties. Accordingly, it covers damaged appliances, like air-conditioning units, but only if a hazard covered by the policy causes it. 

When Does Home Insurance Cover AC Units?
A standard homeowners insurance policy covers AC units on your home or personal property. If the unit was damaged by wind or stolen, the policy might cover the repair expenses. 

The following are common sources of AC damages that are usually covered by homeowners insurance:

• Weather-related incidents (like wind or lightning)
• Fire and smoke
• Power Surges
• Fallen Trees
• Theft and Vandalism

Homeowners' policy might cover your AC units: dwelling coverage or personal property coverage.

Dwelling Coverage
Dwelling coverage covers centralized AC units as it is considered a part of your home structure. This type of AC unit would be covered with all-risks coverage, meaning that the unit is protected against everything except damages caused by earthquakes, flooding, or power failure.

Personal Property Coverage
Personal Property coverage covers simple window or ductless wall-mounted AC units since they are considered personal belongings. This policy means that you are covered from hazards like weather-related incidents, explosions, natural disasters, theft, etc., listed on your policy.

When Does Home Insurance Not Cover AC Units?
Homeowners' insurance policy would not cover AC units if they stopped working with the following causes, even if it is new:

• Wear and tear
• Old units
• Maintenance issues or mechanical breakdown
• Earthquakes or floods
• Rodents and pest damage

Home Warranties and Equipment Breakdown Coverage
Most homeowners insurance companies offer Equipment Breakdown Coverage. It usually covers your appliances, like AC units and Refrigerators, mechanical breakdowns, and improper installation. Additionally, Equipment breakdown coverage covers all applicable property inside your home.

On the other hand, if your insurance company doesn't offer equipment breakdown coverage, you could purchase a home warranty for your appliances.

Conclusion
When your air-conditioning unit is damaged, and you want to file a claim, you should know your insurance policy coverage. To support your claim, you should also file a report to your insurance company and gather needed information, such as the model type, series, and evidence, like pictures. 

If you're unsure, you could contact your insurance company, and they could go over your coverage with you to see if repairs to your HVAC system, or anything else, are covered.

At Family Auto Insurance Agency, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.