Does Homeowners Insurance Cover AC Replacement?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   It really depends on what happened to the Air Conditioning unit. If the unit simply broke down there would be no coverage as this is not a standard peril of insurance polices. You would actually need equipment breakdown coverage which some insurance carriers are starting to offer as an added coverage. If the AC unit was destroyed by fire, or vandalized or damaged in a storm there would be coverage

   Answered on March 30, 2014

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