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A cracked chimney liner may be covered under your homeowner's insurance if it was due to a covered peril, such as fire, theft (OK...Nobody would want to steal it) or vandalism.
However, wear and tear, along with depreciation, are not covered. So if a claim is submitted for that reason, it will not be paid.
Agent, Rural Mutual Insurance Co., Union Grove, WI
If the crack in the chimney liner was caused by a covered loss and the crack is a detriment to the safety of the residents or adversely affects the property it may be covered. Every policy is different. Please read your policy completely to understand what coverage is provided and what exclusions there may be.
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However, wear and tear, along with depreciation, are not covered. So if a claim is submitted for that reason, it will not be paid.