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Does home insurance cover an AC?
I am dying! Our AC just stopped working and it’s 90 degrees in our house right now. We need it repaired ASAP, but I’m wondering if our home insurance would reimburse us. Will home insurance cover an AC?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That is way too hot—I can see why you’d like it fixed ASAP!
Some common causes of damage to an AC that a home insurance policy covers are:
- Sudden and accidental discharge or overflow of water or steam
- Sudden and accidental cracking, bulging, tearing, or burning
If either of these caused your AC’s demise, you can submit a claim to your insurance company for coverage. However, if the damage wasn’t due to either of these, you likely cannot submit a claim.
Most home insurance policies exclude damage from:
- Normal wear and tear
- Age
- Faulty repairs
- Lack of maintenance
- Neglect
Once you have a repairman out to fix the AC, they can give you an idea of why it broke. If you’re unsure of whether your insurance will cover it, call your provider. An agent can review your policy with you to explain your coverage.
If your AC doesn’t have coverage under your home insurance, be sure to check with the manufacturer. You may have a warranty that will reimburse or replace the unit.
Since you’re considering filing a claim, now might be a good time to also review your insurance options with
Jerry
. licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and helps to cancel your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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