Does home insurance cover air conditioning units or furnaces?

Answered by Home Insurance, Car Insurance Expert Shannon on March 3, 2021

I spent over $8,000 to replace my air conditioner and furnace. I want to know if my investment will be protected by insurance.

expert avatar

Shannon

Home Insurance, Car Insurance Expert

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.


Home Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Recommended
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
user
Gabriella R.
Find savings (100% Free)
stars
4.6/5 Rating on App Store
logos
logos
logos