Can You Cover Damages to Your AC Unit with Home Insurance?

Generally, homeowners insurance covers damage to AC units under the covered peril claim in your home insurance policy. Depending on the type of policy you have, you can add your AC unit as either your personal property or an important part of the structure of your home.

Is Home Insurance Really Necessary?

Home insurance covers any damage to the interior or exterior of your home. You are protected if your home suffers damage due to a natural disaster or fire. All of your personal items inside your home are also covered if they are stolen, vandalized, or destroyed. Owning a home is a huge investment, and home insurance can prevent you from losing everything.

Does Home Insurance Cover AC Units?

Your home insurance policy covers your heat pump and AC unit in the same manner that the rest of your property is covered. Remember that any damage caused by accidental fires, inclement weather, and vandalism is automatically covered in your home insurance policy. However, you must perform regular maintenance on your property. If your AC unit breaks down earlier than expected because of poor performance, you will not be covered for the unnecessary repairs or a replacement. Accidental damage to the unit also may not be covered.

If an accidental fire damages your AC unit, your home insurance will cover you during the process. If the electrical components are severely damaged, your home insurance will cover you. If a tree destroys your air conditioning system, you are covered. Home insurance policies generally cover natural disasters. If your unit is vandalized, home insurance covers you against acts of vandalism. However, you must file a police report to formally document everything. If you are unsure about something, contact your insurer. Every home insurance policy varies based on little details.


As noted earlier, home insurance will not cover you if your AC unit malfunctions because of poor maintenance, natural erosion, or an accident. In these situations, you’ll have to cover the repairs or replacement out of pocket. Water damage is also important to note. While the unit may not suffer water damage, it does produce water. If the water from the unit infiltrates your home and starts a flood, you will not be covered because this is considered a maintenance issue. Check your AC unit every two months to make sure that it is draining properly. You also have to be aware of the difference between central and window AC units. A central AC unit is seen as an important part of your home’s structure. Window units are viewed as general property like your television or washing machine.

Generally, all central unit damage is covered. It’s more complicated for window units, as they are only covered in situations specifically outlined in your policy. Be sure to check the terms of your home insurance policy thoroughly. A home warranty can help offset repair costs. A warranty covers the cost to repair your home appliances for a general price. Speak with your AC unit’s manufacturer before signing up to make sure that you understand everything.

Filing a Claim

Think about whether filing a claim on your AC unit is beneficial in the long run. Gather a few estimates on the cost of repairing the unit. If the cost to repair the unit is similar to your policy’s deductible, it’s probably more beneficial to handle the repairs out of pocket simply. Filing a claim could raise your home insurance premiums. If you decide to file a claim, take pictures of the damages and write down the AC unit’s model and serial number. Once you contact your insurer, they will check to see if the damage is covered. An adjuster will visit you to check the unit and give you an idea of the amount of money your insurance company will provide to cover the damages. If your policy includes replacement value, then your insurer will give you an amount equal to the unit’s value when it was first purchased. If your policy is based on actual cash value, your insurer will provide you with an amount that matches the cost of the AC unit based on the time of damage. Replacement cost value takes into account inflation while actual cash value looks at depreciation.

Your AC unit is an important part of your home. If an accident occurs, do not panic and take the time to assess your options. In most cases, you are protected if you choose to file a claim for AC unit damage. If you are unsure how to proceed, the experts here at Pittman Insurance Group, LLC will answer any questions that you have. Contact us today to learn more about the available home insurance options and how we can help you get covered according to your needs.

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