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Does home insurance cover central air?
I tried turning on my central air for the first time since last summer and it definitely isn’t working. It’s unseasonably hot right now, so I’d like to get it fixed. Would my home insurance cover central air?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
It seems like unseasonable weather is becoming the new standard lately! Your home insurance may cover **central air depending on the **cause of damage.
- Cracking
- Tearing
- Burning
- Bulging
- Discharge of water or steam
However, home insurance won’t cover anything related to:
- Age
- Neglect
- Wear and tear
- Lack of maintenance
- Faulty repair
To determine the cause of the damage, you’ll want to call a repair person out to get an estimate. They typically can tell you what the cause of damage is. If it’s covered by your policy and more than your deductible, you can submit a claim for coverage.
You’ll also want to review your policy’s terms and conditions or speak with an agent to verify your coverage.
After reviewing your coverage, consider taking a few extra minutes to ensure you’re paying the best price for the coverage you need with
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.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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