To answer this question, I will assume that it is posed to determine if a homeowner policy will cover any type of damage to an air conditioner, absent any other facts.
The homeowner policy is definitely not a maintenance policy and therefore will not pay for damage to the unit, unless it is damaged by the occurrence of some other type of covered peril.
For example, if it is a relatively expensive 'window unit' and a heavy picture falls off of the wall, striking and severely damaging the ac unit, there could be coverage, subject to the application of the homeowner policy deductible. In reality, you should think twice about the future premium increase ramifications of submitting a smallish claim of this nature. You would, in a situation of this nature, check with your agent to make sure it is worth submitting.
If it is a central ac unit and is damaged by a fire in the garage caused by a carelessly laid cigar, there would be coverage, again subject to the deductible. The financial loss for a central ac unit would no doubt be much more extensive that for a window unit and might therefore merit claim submission. Also, the fire described would probably have damaged the walls, ceiling, possibly stored objects, etc., and produced smoke damage to other parts of a house, if attached, justifying submission of a broader claim for damages, including those to the ac unit.
.JPG){kind=avatar}
The homeowner policy is definitely not a maintenance policy and therefore will not pay for damage to the unit, unless it is damaged by the occurrence of some other type of covered peril.
For example, if it is a relatively expensive 'window unit' and a heavy picture falls off of the wall, striking and severely damaging the ac unit, there could be coverage, subject to the application of the homeowner policy deductible. In reality, you should think twice about the future premium increase ramifications of submitting a smallish claim of this nature. You would, in a situation of this nature, check with your agent to make sure it is worth submitting.
If it is a central ac unit and is damaged by a fire in the garage caused by a carelessly laid cigar, there would be coverage, again subject to the deductible. The financial loss for a central ac unit would no doubt be much more extensive that for a window unit and might therefore merit claim submission. Also, the fire described would probably have damaged the walls, ceiling, possibly stored objects, etc., and produced smoke damage to other parts of a house, if attached, justifying submission of a broader claim for damages, including those to the ac unit.