When Does Homeowners Insurance Cover AC Units?

​Homeowners' insurance may cover damages to a person's home and personal property, including appliances, as long as the damage is caused by a covered event listed in the policy. The homeowner's insurance could cover repair for ductless and window ACs with integrated heating, ventilation, and air conditioning (HVAC) systems.

1. When damaged by wind - Homeowners' insurance may cover wind damage caused by hurricanes, tornadoes, and thunderstorms as long as the policy is in effect during the event.
2. Damages due to lightning and power surges - Homeowners' insurance may cover AC unit damage caused by a direct lightning strike or a power surge. 
3. Casualties by fire and smoke - Homeowners' insurance may cover AC unit damage caused by an accidental fire that started within the home or on the property and damage caused by smoke from a nearby fire.
4. When damaged by falling trees or objects - Homeowners insurance may cover AC unit damage caused by a tree or object falling on the AC unit itself.
5. Theft - Homeowners' insurance may cover AC unit damage caused by the theft of the AC unit or parts of the AC unit.
6. Vandalism - Homeowners insurance may cover AC unit damage caused by intentional and malicious actions such as spray painting, breaking windows nearby the AC unit, or damaging the AC unit itself.

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Homeowners' insurance may cover damage to AC units if caused by a covered hazard such as wind, lightning strikes, power surges, fire, smoke, fallen trees, theft, and vandalism. Other events, such as flooding, mechanical breakdown, or wear and tear, are not covered by homeowners insurance. 

You may consider having equipment coverage for added precaution for your AC. You have to make sure that your policy covers the full replacement cost of your AC, so you don't end up paying out of pocket for any damages.  

At Appletree Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (603) 881-9900 or CLICK HERE to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!