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Does home insurance cover air conditioning?
Our central AC has gone out and summer is right around the corner. Will our home insurance policy cover our house’s air conditioning?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
No one wants to sit around in the heat! Your
home insurance
policy may help cover your air conditioning if it was damaged by a named peril found in the policy documents. Homeowners insurance policies can cover air conditioning through either the personal property or dwelling coverages. If you have an HVAC system in your home, it will probably fall under dwelling coverage since it is part of the structure of the house. Window units would fall under personal property coverage because it is a personal belonging.
Your homeowners insurance policy may help cover your air conditioning if it was harmed by a covered peril. For example, if your air conditioning unit was damaged during a hail storm or by a tree branch, it may be covered under your policy.
If your air conditioning fails due to wear and tear or old age, your insurance company typically will not cover it. It will be your responsibility to fix any broken fans or frozen coils. Keeping your air conditioning unit well-maintained over the years is the best way to keep money in your wallet.
Insurance can be confusing to go over. If you’re wondering what’s covered under your policy, reach out to the
Jerry
team. They’re ready to help you get signed up with the right policy, and can help you save more money by bundling your home and auto insurance! Jerry takes out all the hassle to give you a stress-free insurance experience.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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