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Does State Farm home insurance cover air conditioners?
I’m looking for a cheaper home insurance policy after my rates increased. I’ve seen good quotes from State Farm, but I wonder if their home insurance will cover my home’s new air conditioner?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear that your rates increased; insurance can be stressful!
State Farm
home insurance can help cover your home’s air conditioner if it was damaged by a covered peril listed in your policy. If there is a loss covered under your home insurance, the repairs would be paid for by your coverage. - Windstorm
- Snow or ice
- Hail
- Fire
- Vandalism
- Theft
- Explosion
- Falling objects
If your air conditioner was damaged by any of the events above (or anything else listed in your policy), you should be covered. However, homeowners insurance will not cover repairs if your air conditioner needs to be replaced due to age, neglect, or normal wear and tear.
Home warranty plans can help cover the costs of repairs to appliances, and typically cover items like home appliances, plumbing, furnaces, and air conditioning. These plans are separate from a standard homeowners policy.
If you take care of your home’s air conditioner with routine maintenance, you can save yourself the cost of major repairs in the future. You can also start saving on your home insurance with
Jerry
. It only takes 45 seconds for Jerry to give you a list of competitive quotes from top insurance providers. Jerry can even help you find better savings by bundling your home and auto policies. 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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