Does renters insurance cover AC units?

After many months of too-hot temperatures, I bought my air conditioner for my apartment. I’m glad I did because it works great, but it wasn’t cheap. Does renters insurance cover AC units?

Melanie Mergen · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’d want to know my new purchase was covered, too! Air-conditioning units are commonly covered along with your other personal property under a standard renters insurance policy.
That is, as long as it’s yours (and you indicate you bought it), and as long as the cause of damage or loss is a named peril** in your policy, your AC should be covered.
Named perils often include incidents like:
  • Fire
  • Theft
  • Windstorms
  • Short circuits
If the air conditioner was a built-in unit provided by your landlord, on the other hand, it would likely need coverage under their insurance.
Here’s to staying comfortable and cool! If you need to update your renters insurance at any point,
can help you keep your cool by making the process quick and easy. Jerry makes shopping for insurance easy by comparing personalized quotes from the nation’s top providers.
MORE: How to find the best renters insurance
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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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