Does homeowners insurance cover HVAC units?

Does homeowners insurance cover air conditioner replacement?

If your air conditioner is damaged or destroyed due to a covered peril, such as a windstorm or fallen tree, your homeowners insurance policy may pay to repair or replace the unit, up to your coverage limit and minus your homeowners insurance deductible. Your policy won’t cover damage due to normal wear and tear—although a home warranty plan may. Learn more about the differences between a home warranty vs. homeowners insurance.

What about coverage for central AC units?

Your policy’s dwelling coverage may cover damage to a central AC unit, which is considered part of the home's structure.

Window AC units and personal property coverage

Personal property coverage on your homeowners policy may cover a window AC unit, which is not part of the home's structure since you can put it in and take it out at any time.

Can equipment breakdown coverage cover HVAC units?

It depends on the circumstances of the damage and the terms of your policy. Equipment breakdown coverage is an optional endorsement which can be added to certain homeowners insurance policies to protect against the cost of repairing or replacing your appliances and systems if they break down. The damage is only covered when the loss is due to uncontrollable circumstances, such as electrical damage due to artificially generated electrical surges, and not from general wear and tear.

Filing an HVAC insurance claim

If you file a claim for a damaged HVAC unit, your insurer may send an adjuster to evaluate the damage and estimate the cost of repairs. You may be asked for photos and video of the damaged unit. If the claim is approved, your insurer may pay to repair or replace the unit, minus your deductible.

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