Does Homeowners Insurance Cover AC?

Last updated: February 6, 2024


Homeownership comes with a variety of responsibilities, including the crucial task of securing homeowners insurance. But what does this insurance cover, particularly regarding important elements of your home like the air conditioning (AC) unit? Let’s delve into that.

Understanding Homeowners Insurance

What is Homeowners Insurance?

Homeowners insurance is a type of property insurance that covers losses and damages to an individual’s house and assets in the home. It also provides liability coverage against accidents within the home or on the property.

The Scope of Homeowners Insurance

What Does It Generally Cover?

Generally, homeowners insurance policies cover interior and exterior damage to your home, loss or damage to personal belongings, and injury that arises while on the property.

The Role of Homeowners Insurance

Having a solid homeowners insurance policy can provide you peace of mind, ensuring that your hard-earned investment is protected against unexpected events.

Homeowners Insurance and AC Units

One particular aspect that’s often queried is the coverage of AC units. Do these policies typically cover such crucial elements?

Coverage of AC Units

Does Homeowners Insurance Cover AC Units?

Homeowners’ insurance often does cover AC units, but the extent of this coverage usually depends on the specifics of the policy and the cause of the damage.

Specific Scenarios to be Aware of

For instance, if your AC unit is damaged due to a fire or vandalism – instances typically covered by homeowners insurance – you’re likely to be covered.

When Does Homeowners Insurance Cover AC Units?

Typically, homeowners insurance covers AC units when the damage or destruction is caused by a covered peril, such as fire, lightning, vandalism, or theft.

When Doesn’t Homeowners Insurance Cover AC Units?

However, homeowners insurance usually won’t cover AC units if the damage is due to wear and tear, or if it results from a maintenance issue.

Understanding Your Policy

It’s important to understand your policy and know what is covered. Each insurance policy is different, and understanding yours is the key to knowing your coverage.

Factors Affecting Your Coverage

Various factors can affect your coverage, including the age and condition of your AC unit, the specifics of your policy, and even your geographical location.

Ways to Ensure AC Unit Coverage

  • Adding AC Coverage to Your Policy: You may consider adding an endorsement to your policy for broader coverage.

  • Regular Maintenance: Regularly maintaining your AC unit can also help in ensuring that it remains under coverage.

Other Insurance Options for AC Units

If your homeowners insurance doesn’t provide sufficient coverage, you could consider options like equipment breakdown coverage. Homeowners’ insurance can cover AC units, but coverage depends on the nature of the damage and the specifics of the policy.


1. Does homeowners insurance cover all types of AC units?

The type of AC unit covered often depends on the specific homeowners’ insurance policy. Central AC systems are typically covered under the dwelling protection portion, while portable or window AC units might be covered under personal property coverage.

2.What if my AC unit is old, will it still be covered by homeowners insurance?

An older AC unit may still be covered, but the payout might be affected by its depreciated value.

3. Does homeowners insurance cover the AC unit if it breaks down?

Usually, homeowners insurance does not cover an AC unit if it breaks down due to wear and tear or a maintenance issue.

4. How can I add more coverage for my AC unit to my homeowners’ insurance?

You can add more coverage by upgrading your policy or adding an endorsement for your AC unit.

5. Does homeowners insurance cover AC unit theft?

Yes, typically, homeowners insurance does cover AC unit theft, as it falls under the category of covered perils.


In conclusion, while homeowners insurance may cover your AC unit, it’s essential to review your policy to understand its limitations and exclusions. To ensure comprehensive protection, consider additional coverage options.

Learn more about dwelling insurance coverage from our blogs at Security Forward.

Show More
Back to top button