Does home insurance cover air conditioning units or furnaces?
I spent over $8,000 to replace my air conditioner and furnace. I want to know if my investment will be protected by insurance.
Answer provided by
Answered on Mar 03, 2021
Any appliances that are built into your home are covered under the dwelling portion of your policy. Smaller window air conditioning units are covered under the personal property portion. So in most cases, your air conditioner and furnace will be covered if they are damaged due to a covered peril such as fire or lightning. They will not be covered in the event of an earthquake or flood, unless you have purchased additional endorsements for these perils.
Many carriers offer mechanical breakdown coverage for household appliances and computers at a nominal cost. This will protect your appliances in the event of a loss due to a power surge, which your homeowners policy most likely won’t cover.
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
Does homeowners insurance cover a car damaged on my property?
My son’s girlfriend’s car was damaged while parked in my driveway during a windstorm when the basketball hoop blew over. Should I file a homeowners insurance claim?
Apr 14, 2021
Does not having car insurance negatively impact your rates when you reinsure?
I live in Dallas, TX. I plan on canceling my car insurance once I sell my car. I want to get a new car eventually, but don't want to rush buying it. I heard that you are charged higher rates if you don't have insurance continuously. Is that true?
Apr 20, 2021
Where do I start if I'm looking to get my own auto insurance for the first time on a leased car?
I have been on my parents' policy for the last four years. I am going to pick up my new lease tomorrow and I am ready to get my own insurance. Where do I start? How do I know I am getting the best price?
May 06, 2021