Does home insurance cover AC leaks?

Our home’s AC recently started leaking and it doesn’t appear to be working properly. It’s supposed to be extremely hot next week, so I want to make sure it’s working. Will our home insurance cover AC leaks?

Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having a working air conditioner in sweltering heat makes your life easier! For your home insurance to cover AC leaks, a covered peril must cause the damage. If your AC is leaking due to accidental or sudden cracking, bulging, or tearing, your home insurance will cover the damage.
However, if your AC stops working due to age or mechanical failure, your home insurance wouldn’t cover the leaks. Even if your AC stopped working suddenly,
home insurance
doesn’t cover anything that relates to something an owner could prevent. For example, most home insurance policies exclude rodents or pests since it’s preventable with proper care.
To find out whether your AC has coverage, you’ll want to have a professional take a look at it. They can give you an idea of what caused the damage and you can review your policy to determine if you’d have coverage.
If the leak is covered, you can submit a claim to your home insurance for the damage. That said, the cost of the repairs needs to exceed your deductible before your insurance kicks in.
If you don’t have coverage for the leak or the repairs are less than your deductible, you’ll have to pay for them out of pocket.
Once you get your AC leak taken care of, consider taking a few extra minutes to review your home insurance coverage with
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.
View full answer 
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

Join 4M+ members in lowering their car insurance

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings