{"id":42709,"date":"2024-01-30T08:40:58","date_gmt":"2024-01-30T13:40:58","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=42709"},"modified":"2025-02-04T12:51:28","modified_gmt":"2025-02-04T17:51:28","slug":"does-home-insurance-cover-ac","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/does-home-insurance-cover-ac","title":{"rendered":"Does home insurance cover AC"},"content":{"rendered":"\n<p>When outdoor temperatures spike, the last thing you need is a broken air conditioner.&nbsp;If that happens, your <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/all-states\">homeowners insurance<\/a> policy may pay to repair or replace it. Then again, it may not. So when does homeowners insurance cover AC? Let\u2019s dig in.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\" style=\"width:100%;\"><strong>Table of Contents<\/strong> <ul style=\"list-style-type: padding-left:10px;\"><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#types\">Types of air conditioning<\/a><\/span><\/li><li style=\"color:#00; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#covered\">When you\u2019re covered by home insurance<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#not covered\">When you\u2019re not covered by home insurance<\/a><\/span><\/li><li style=\"color:#000; padding-left: 10px;\"><span style=\"color:#000; display:block;\"><a href=\"#additional protection\">Additional protection for AC units and HVAC systems<\/a><\/span><\/li><\/div>\n\n\n\n<a id=\"types\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Types of air conditioning<\/h2><\/a>\n\n\n\n<p>Basically, there are two types of air conditioning for your home: window AC units and HVAC (heating, ventilation and air conditioning) systems. Drilling down a bit further, there are two main categories within the HVAC grouping: central air conditioning and mini-splits.<\/p>\n\n\n\n<div class=\"home-resources-orange-border\"><strong>Air Conditioning Types<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Window Units<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Central AC<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Mini-Splits<\/span><\/li><\/ul><\/div>\n\n\n\n<p><strong>Window<\/strong> <strong>Units<\/strong> \u2013 A window AC is a portable unit that you can put into any window in your home. It\u2019s quite easy to install and fairly affordable, but only cools a single room. Window AC units typically last 5-10 years before they break down.<\/p>\n\n\n\n<p><strong>Central AC<\/strong> \u2013 A central air conditioner is designed to cool an entire home. It is connected to a system of air ducts throughout the home. Central AC is more expensive than a window unit, but can save you a lot of money in the long run.<\/p>\n\n\n\n<p><strong>Mini-Splits<\/strong> \u2013 A mini-split system works without air ducts. Individual indoor AC units are connected to an outdoor compressor unit via refrigerant lines. The air is cooled on its way to the compressor and then returned to the indoor unit that circulates it in the room. Heat pumps can also be added to mini-splits.<\/p>\n\n\n\n<a id=\"covered\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">When you\u2019re covered by home insurance<\/h2><\/a>\n\n\n\n<p>Like most homeowners insurance claims, the cause of the damage to your air conditioner will determine if you\u2019re covered or not. Every homeowners insurance policy is different, so be sure to read your policy or check with your carrier to see which causes\u2014or \u201cperils\u201d\u2014you\u2019re covered for.<\/p>\n\n\n\n<p>Generally speaking, most <a href=\"\/insurance\/home\/coverage-policy-options\">standard homeowners insurance policies<\/a> will pay to repair or replace your air conditioner if the damage was caused by an outside event such as these:<\/p>\n\n\n\n<div class=\"home-resources-orange-border\"><strong>Covered Perils<\/strong><ul style=\"list-style-type: '\\2713'; padding-left:10px;\"><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Hail<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Lightning<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Falling tree<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Fire<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Burst pipe<\/span><\/li><li style=\"color:#FF7826;\"><span style=\"color:#000; margin-left:10px;\">Theft<\/span><\/li><\/ul><\/div>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Who determines the cause<\/strong><\/h3>\n\n\n\n<p>After you submit the claim, an insurance adjuster will carefully examine the facts of the loss as well as your homeowners policy. Based on their investigation, they can determine if the damage to your air conditioner was caused by an outside event or a mechanical breakdown of some sort.&nbsp;<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>How it\u2019s covered<\/strong><\/h3>\n\n\n\n<p>Let\u2019s say that your damaged air conditioner is covered by your homeowners insurance policy. Do you know which part of your policy covers it? Here\u2019s a quick breakdown:<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:20px;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>Window AC Units<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; height:155px;\">Covered by the <strong>Personal Property (Coverage C)<\/strong> portion of your home insurance, because a window unit is considered a personal item\n<\/td><\/tr><\/table>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<table style=\"margin-bottom:20px;\"><tr><td style=\"border-radius: 10px 10px 0px 0px; \n background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 15px 10px 15px; text-align: center;\"><strong>HVAC Systems<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left; height:155px;\">Covered by the <strong>Dwelling (Coverage A)<\/strong> portion of your home insurance, because an HVAC system is considered part of your home\u2019s structure\n<\/td><\/tr><\/table>\n<\/div>\n<\/div>\n\n\n\n<a id=\"not covered\"><h2 style=\"margin-top:10px; margin-bottom:0px;\">When you\u2019re not covered by home insurance<\/h2><\/a>\n\n\n\n<p>Like most things that are used on a regular basis, air conditioners will eventually break down due to age. If that happens, you\u2019ll be out of luck, as homeowners insurance is designed to cover unexpected perils, not wear and tear.<\/p>\n\n\n\n<p>There are other scenarios when your <a href=\"https:\/\/www.plymouthrock.com\/resources\/what-does-home-insurance-cover\">homeowners insurance won\u2019t cover<\/a> your AC unit or HVAC system. Typically, you won\u2019t be covered if your unit breaks due to the following:<\/p>\n\n\n\n<ul style=\"margin-top:-10px; margin-bottom:15px;\"><li>General wear and tear<\/li><li>Mechanical breakdown<\/li><li>Improper installation<\/li><li>Poor maintenance or neglect<\/li><li>Floods<\/li><li>Earthquakes<\/li><\/ul>\n\n\n\n<p>However, if water from your faulty air conditioner leaks into your home, the ensuing damage to your wall would be covered by your home insurance policy. This holds true if the air conditioner is a window unit or HVAC system.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"margin-bottom:0px;\"><tr><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 15px; text-align: left; width:33%;\"><strong>Cause of Damage<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:33%;\"><strong>Covered by Home Policy<\/strong><\/td><td style=\"background-color:#0078D6; border-color:#ffffff; color:#fff; padding:10px 10px 10px 10px; text-align: left; width:33%;\"><strong>Not Covered by Home Policy<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Flood<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Falling tree branch<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Lightning<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Wear and tear<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Poor installation<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Earthquake<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><\/tr>\n\n<tr><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Fire<\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\"><strong>X<\/strong><\/td><td style=\"background-color:#e5f2fb; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\">&nbsp;<\/td><\/tr>\n\n<tr><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: left;\">Neglect<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center; vertical-align:middle;\">&nbsp;<\/td><td style=\"background-color:#fff; border-color:#ffffff; padding:10px 15px 10px 15px; text-align: center;\"><strong>X<\/strong><\/td><\/tr>\n<\/table><\/div>\n\n\n\n<a id=\"additional protection\"><h2 style=\"margin-top:25px; margin-bottom:0px;\">Additional protection for AC units and HVAC systems <\/h2><\/a>\n\n\n\n<p>A standard homeowners insurance policy will only repair or replace your window AC unit or HVAC system if it is damaged by a covered peril. For maximum protection, you may want to add additional coverage to your policy or take advantage of your air conditioner\u2019s warranty.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Home systems breakdown<\/strong><\/h3>\n\n\n\n<p>Homeowners depend on the comfort and security of HVAC systems. Today most of these systems are made with a lot of sensitive, moving parts. As a result, the risk of a breakdown is greater than ever. So is the cost to repair it.<\/p>\n\n\n\n<p>Unfortunately, most home insurance policies don\u2019t cover the mechanical breakdown of this type of equipment. To fully protect yourself, you can add <a href=\"https:\/\/www.plymouthrock.com\/insurance\/home\/coverage-policy-options\/home-systems-breakdown\">Home Systems Breakdown coverage<\/a> to your homeowners policy.<\/p>\n\n\n\n<p>This optional coverage could protect you if your HVAC system breaks down. It may also cover the breakdown of home entertainment equipment, kitchen and laundry appliances, computers and generators.<\/p>\n\n\n\n<h3 style=\"margin-bottom:0px; font-size:18px;\"><strong>Warranties<\/strong><\/h3>\n\n\n\n<p>If your window AC unit or HVAC system is damaged by wear and tear, your standard home insurance wouldn\u2019t help because the damage wasn\u2019t caused by a covered peril like fire or a falling tree. Fortunately, a warranty can help cover repair or replacement costs.<\/p>\n\n\n\n<p>Let\u2019s say that your air conditioner has a refrigerant leak from years of normal use. In this case, your manufacturer\u2019s warranty may pay to repair your AC.<\/p>\n\n\n\n<div style=\"border:1px solid #0078D6; margin-bottom:15px; margin-top:15px;\"><table style=\"border-color:#fff;!important; margin-bottom:0px; padding-bottom:0px;\">\n<tr><td style=\"background-color:#ffffff; border-color:#ffffff; color:#fff; padding:15px 10px 10px 15px; text-align: left; width:15%;\">\n<img decoding=\"async\" src=\"\/wp-content\/uploads\/2024\/01\/green-upgrades.svg\">\n<\/td><td style=\"background-color:#ffffff; border-color:#ffffff; padding:10px 10px 10px 15px; text-align: left; width:85%;\"><strong>Read Your Warranty<\/strong><br \/>Whatever type of warranty you have, be sure to read it carefully so you understand the terms and conditions. For example, labor and some smaller parts may not be covered.<\/td><\/tr>\n<\/table><\/div>\n\n\n\n<p>Here are some warranty questions you may be curious about:<\/p>\n\n\n\t\t<div data-elementor-type=\"section\" data-elementor-id=\"42711\" class=\"elementor elementor-42711\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8a23da7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8a23da7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-82ae54f\" data-id=\"82ae54f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-59b03a6 elementor-widget elementor-widget-accordion\" data-id=\"59b03a6\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9401\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9401\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a manufacturer\u2019s warranty?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9401\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9401\"><p>The manufacturer warranty comes with your air conditioning system. It covers parts that are damaged out of the box or fail before the warranty term ends. The length of a manufacturer\u2019s warranty differs among brands and contractors, but it\u2019s usually 5-10 years.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9402\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9402\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is an installer\u2019s warranty?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9402\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9402\"><p>An installer\u2019s warranty comes from your air conditioning contractor. It guarantees the quality of the installation. This type of warranty is important because your air conditioner\u2019s performance\u2014especially an HVAC system\u2014depends on whether the system was installed properly.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9403\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9403\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is an extended warranty?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-9403\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9403\"><p>An extended warranty starts after your original manufacturer\u2019s warranty expires. It can add several years to your parts or labor coverage. You can purchase an extended warranty from your manufacturer or installer.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"<p>A broken air conditioner can ruin your summer, especially if your home insurance won\u2019t pay to repair it. Find out when you\u2019re covered.  <\/p>\n","protected":false},"author":6,"featured_media":42710,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[72],"state":[79,83,80,81,82,84],"class_list":["post-42709","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-home","state-ct","state-ma","state-nh","state-nj","state-ny","state-pa"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.8 (Yoast SEO v25.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does home insurance cover AC Does home insurance cover AC - Plymouth Rock Assurance | Car Insurance and Home Insurance<\/title>\n<meta name=\"description\" content=\"What if your insurance won\u2019t pay for the cost of your AC repair? 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