Only way a homeowners policy would cover your A/C unit would be if it was damaged by a covered claim. Tree falls on it, home gets struck by lightning or damaged by a house fire are just a few examples of things that could be a covered claim. If it's just old and stops working, no dice with your home policy.
This is just generally speaking as insurance contracts vary by state and carrier. Give a local independent agent in your area a call and discuss your specific situation.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
Homeowner’s policies cover damages sustained to the residence and personal property from “named perils.” Mechanical breakdown is not a named peril in very many, if any homeowner’s insurance policies. If the property is burned and the air conditioner is damaged, then it would be covered.
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This is just generally speaking as insurance contracts vary by state and carrier. Give a local independent agent in your area a call and discuss your specific situation.