Does Homeowners Insurance Cover Air Conditioner Replacement?

1. 

   14231 POINTS

   view profile
   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   I am assuming that you are talking about a Central Air system.  Homeowners Insurance provides broad coverage for damage caused by named perils, and excludes coverage for damage caused by some specific instances like earth movement and flood for example.  So say there is a lightning strike that damages electrical appliances connected to your home, including your AC unit.  In a situation like that, subject to your deductible, insurance will cover the cost to either repair or replace those appliances.  If they are damaged by a flood or a mudslide or some other form of earth movement, then the policy would not provide coverage.

   Answered on May 28, 2014

   flag this answer
Did you find these answers helpful?
Yes
No
Go!

Add Your Answer To This Question

You must be logged in to add your answer.