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Does home insurance cover air conditioner replacement?
This summer has been way hotter than normal, so we’ve been using our air conditioner more often. All of a sudden, our air conditioner stopped working! We have a home insurance policy. Will our home insurance cover an air conditioner replacement?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
The weather in the past few years has definitely become unpredictable! Even though you have a home insurance policy, it won’t cover an air conditioner replacement in this instance.
It sounds like your air conditioner stopped working due to age or general wear and tear.
Home insurance policies
almost always exclude damage that occurs from this. Other exclusions include:- Lack of maintenance
- Faulty installation
- Mechanical failure or breakdown
That said, if the cause of your broken air conditioner was a sudden and accidental power surge, cracking, or burning, you may have coverage. You’ll want to contact your insurance company to determine if they’ll cover the replacement.
Should you not have coverage for the replacement, be sure to check your air conditioner’s warranty. You may be covered for a replacement or repairs.
If you’re unhappy with your home insurance coverage, take some time to review your options with
Jerry
. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.View full answer
- Gregory R.
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