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Does home insurance cover ac units?
This is going to sound like I’m making this up, but my AC unit was recently struck by lightning during a storm and, no surprise, is now in need of serious repair. Does my home insurance cover my AC unit?
Anthony William · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Wow! Your AC unit really went out with a bang!
While
homeowners insurance
typically doesn’t cover wear and tear for AC units, it should cover this particular case, as your unit was damaged by what was likely a covered peril in your policy. If any other dramatic disasters should befall your AC unit in the future, here are a list of perils that are typically covered by homeowners insurance:
- Weather-related damage
- Fire and water damage
- Theft and vandalism
It’s important to note that flood and earthquake damages are typically excluded from most homeowners policies, so you may need special coverage to qualify for reimbursement in those cases. And in the case of theft or vandalism, don’t forget to file a police report before you file your claim.
Wishing your AC unit better luck in the future! But if you want to take luck out of the equation in terms of how much you’re paying for your insurance, check out
Jerry
, a free insurance comparison app that shops for low prices from over 50 different insurance companies.View full answer
- Gregory R.
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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.
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