Air Conditioning Units are covered under Homeowners Insurance policies for the perils afforded against by the policy; i.e. Fire, Wind, Hail, Vandalism etc...
If the question is regarding repairs and maintenance, the unit would be covered either by a Manufacturer's Service Contract or a Home Warranty Policy and not your Home Insurance Policy.
Homeowners Insurance is designed to protect the home against covered perils to assist the homeowner from financial loss; it is not designed as a repairs and warranty policy for appliances and general upkeep.
Home Warranty policies are available for appliances and repairs of systems in homes; the homeowner would have to pay a premium for the warranty policy and each service visit would be covered after a deductible which would be agreed upon on the policy.
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If the question is regarding repairs and maintenance, the unit would be covered either by a Manufacturer's Service Contract or a Home Warranty Policy and not your Home Insurance Policy.
Homeowners Insurance is designed to protect the home against covered perils to assist the homeowner from financial loss; it is not designed as a repairs and warranty policy for appliances and general upkeep.
Home Warranty policies are available for appliances and repairs of systems in homes; the homeowner would have to pay a premium for the warranty policy and each service visit would be covered after a deductible which would be agreed upon on the policy.