AC Coverage: Is It Included in Homeowners Insurance?
Summer heat can be brutal, and a malfunctioning air conditioner can turn your home into an uncomfortable sauna. When this happens, it’s natural to wonder if your homeowners insurance will cover the cost of repairs or replacement. Let’s dive into the details.
Does Homeowners Insurance Cover AC Units?
The short answer is: it depends. Homeowners insurance typically covers damage to your AC unit caused by specific covered perils. These perils often include:
- Fire: If your AC unit is damaged in a house fire, your homeowners insurance may cover the cost of repairs or replacement.
- Windstorms and hail: Severe weather can cause damage to your AC unit, and your insurance may help with the costs.
- Theft: If your AC unit is stolen, your homeowners insurance may provide coverage.
- Vandalism: If your AC unit is damaged by vandalism, your insurance policy might help.
It’s important to note that these coverages are subject to the specific terms and conditions of your policy, including deductibles and coverage limits.
When Does Homeowners Insurance Not Cover Your AC Unit?
While homeowners insurance covers certain types of AC damage, it doesn’t cover everything. Common exclusions include:
- Normal wear and tear: As your AC unit ages, parts will eventually wear out. This type of damage is not covered by homeowners insurance.
- Poor maintenance: If your AC unit fails due to lack of proper maintenance, your insurance likely won’t cover the costs.
- Manufacturer defects: If your AC unit malfunctions due to a manufacturing defect, you’ll need to contact the manufacturer for a warranty claim.
Do You Need Equipment Breakdown Coverage for Your AC Unit?
To protect yourself from the costs of AC repairs or replacement due to normal wear and tear or mechanical breakdowns, you might consider purchasing equipment breakdown coverage. This is an additional coverage option that can be added to your homeowners insurance policy. It covers the cost of repairing or replacing major appliances, including your air conditioner.
How to File a Claim When Your AC Breaks Down?
If your AC unit is damaged due to a covered peril, follow these steps to file a claim:
- Contact your insurance agent: Inform them of the damage and provide details about the incident.
- Document the damage: Take pictures of the damaged AC unit for your insurance claim.
- Get estimates: Obtain quotes from repair or replacement services to understand the cost of repairs.
- Submit the claim: Provide your insurance company with the necessary documentation, including photos, estimates, and any relevant receipts.
Enjoy Cooler Summers with Massive Insurance & Financial Services
By understanding the nuances of homeowners insurance and considering additional coverage options, you can protect yourself from unexpected AC repair costs and enjoy a comfortable home throughout the year.
Don’t let a broken AC ruin your summer! Contact us at Massive Insurance & Financial Services today to review your homeowners insurance policy and explore additional coverage options. Our experienced agents can help you find the right protection for your home. Call us at (626) 598-3977 to learn more.