Owner, Paul Nelson Insurance Services, Santa Cruz, CA
It depends on why the air conditioner is leaking, but probably not. Home insurance isn't designed to cover normal wear and tear and breakdown of equipment, which is likely the cause of a leak from an air conditioner. Water damage typically has to be caused by sudden and accidental pipe bursting to be covered under your homeowners policy, but coverage varies by company, so check with your agent or broker.
A leaking air conditioner may only be covered by homeowners insurance in the following 2 circumstances:
1. If the air conditioning unit's leak was caused by a covered peril (i.e. fire, vandalism, wind etc...)
2. If the homeowners insurance policy has an Equipment Breakdown (home warranty) Endorsement affording coverage for the air conditioning system.
Most carriers do not offer the equipment breakdown endorsement on a homeowners policy but it is worth asking your local agent or broker if one is available.
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1. If the air conditioning unit's leak was caused by a covered peril (i.e. fire, vandalism, wind etc...)
2. If the homeowners insurance policy has an Equipment Breakdown (home warranty) Endorsement affording coverage for the air conditioning system.
Most carriers do not offer the equipment breakdown endorsement on a homeowners policy but it is worth asking your local agent or broker if one is available.