Are AC Units Covered Under Homeowners Insurance?

Are AC Units Covered Under Homeowners Insurance?

A homeowners insurance policy provides coverage for repairing or replacing damages occurring to appliances. This includes damage from natural calamities, fire, theft, etc. All the coverage options will be mentioned in your policy.

While taking a standard homeowners insurance policy, it is important to understand the details of the policy and the expected coverage amount. In this article, we will specifically discuss AC units; keep reading to know whether homeowners insurance cover ac units or not.

When Do Homeowners Insurance Cover AC Units? 

In homeowners insurance, AC units are covered under the insurance policy as it is a part of the structure of the house and the owner’s personal belongings. All types of AC units like centralized heating, ventilation, and air-conditioning (HVAC) systems, ductless or window AC units are covered under homeowners insurance. 

Now let’s understand when does the homeowners insurance cover AC units? The insurance claim would be reimbursed for repairing or buying a new AC unit if the AC unit is damaged by natural calamities like wind, fallen trees, lighting, fire, smoke, theft, or vandalism.

When Does Homeowners Insurance Not Cover AC Units?

Homeowners insurance would not provide coverage for damages caused by lack of maintenance, accidents, general wear and tear, mechanical issues, etc. Damages caused by water and floods are not covered by insurance. Also, the insurance coverage does not cover rodents, pest damage, and old AC units.

Do a Home Warranty Cover Air Conditioning Units?

Yes, a home warranty cover air conditioning units. A home warranty will safeguard your AC unit and offer coverage for common repairs and replacement if the AC stops working.

AC units like centralized heating, ventilation, and air-conditioning (HVAC) systems and ductless or window AC units are covered in the home warranty. In the home warranty coverage plan, firstly, repairing is considered. If it is impossible to repair, then the home warranty services will offer to replace the AC unit.

Steps to File a Homeowners Insurance Claim to Fix Your Air Conditioner

If your AC is damaged under the list of covered events, then you can apply to file a claim with your insurance agent. Follow these steps to claim your homeowners insurance for AC units.

  1. Click pictures of your AC unit. Make sure that the damage is visible in the pictures.
  2. Mention the model and serial number of your AC unit.
  3. File a police report and mention the cause of the damage. Get a copy of the police report.
  4. Get in touch with your insurance agent and submit all the above proofs.
  5. The insurance agent will cross-check the proofs and confirm if your AC damage is eligible for coverage.
  6. An insurance agency representative will come for a site evaluation.
  7. The representative would survey and quote the estimated coverage cost.
  8. After evaluation, you would receive the amount specified in the homeowners insurance.

01 Insurance Can Help You Get the Right Insurance Policy for Your Home

Home damages are inevitable, but you can always safeguard your home by getting a homeowners insurance policy. We at 01 Insurance have been providing insurance services since 1979 and have successfully served the requirements of tens of thousands of customers. Our expert team of experienced professionals will help you get the right policy.

Apart from homeowners insurance, we provide an array of services like auto, business, building, motor, and many more. Contact our agents today to get more information regarding our services.

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