Does Home Owners Insurance Cover Air Conditioner?
1365 POINTSview profileRobert Attala LUTCF, PFPAgency Owner, A1 Insurance LLC, Arizona, California AgencyWell it depends on the cause of damage. If let say it was a fire and the AC was damage then yes it covered. If lets say the AC motor blows out and the blower is not working then that is a maintanice issue and home insurance does not cover taht. Good LuckAnswered on April 11, 2013flag this answer.png)
1844 POINTSview profileDavid W. ClausenChief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778If damage to the unit was caused by fire, wind, lightning/hail or some other peril provided under your policy it would be covered-minus your deductible. If the unit had a mechanical breakdown you would need to have an endorsement on the policy for "mechanical breakdown" to have coverage afforded. Having said that, if the unit broke and caused damage to the home you would likely have coverage for the resultant damage caused by the unit. Hope this helps!Answered on August 25, 2015flag this answer
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