Does homeowners insurance cover HVAC units?

Your home's heating, ventilation, and air conditioning (HVAC) units may be covered by homeowners insurance if the damage was caused by a covered peril. Dwelling coverage on your homeowners policy may pay to repair the damage, up to your policy’s limits and minus your deductible. Window AC units will typically fall under personal property coverage.

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Does homeowners insurance cover air conditioner replacement?

If your air conditioner is damaged or destroyed due to a covered peril, such as lightning or a windstorm, your homeowners insurance policy may pay to repair or replace the unit, up to your coverage limit and minus your homeowners insurance deductible. Your policy won’t cover damage due to wear and tear—although a home warranty plan may. Learn more about the difference between a home warranty vs. homeowners insurance.

Central AC units and dwelling coverage

Your policy’s dwelling coverage may cover a central AC unit, which is considered part of the home's structure.

Example:A housefire destroys your central AC unit. Your home insurer may pay to replace the unit, up to your dwelling coverage limit and minus your deductible.

Window AC units and personal property coverage

Personal property coverage on your homeowners policy may cover a window AC unit, which is not part of the home's structure (you can put it in and take it out at any time).

Pro tip:

Your window AC unit is stolen in a burglary. Homeowners insurance may pay to replace the unit, up to your personal property coverage limit and minus your deductible.