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  • Writer's pictureCharlotte Burr

Does Homeowners Insurance Cover AC Units?

Updated: Aug 4, 2020

Summer is right around the corner and it is about that time of year to start turning up the AC to avoid that dry desert heat. Before the Summer months come and it is unbearably hot you may want to know a few things about your homeowners insurance policy and when it covers your air conditioning unit repairs and when it does not.

When Does Homeowners Insurance Cover AC Units?

Home insurance covers AC units to the same extent the rest of your home is covered. Damage caused by fires, falling trees, vandalism, lightning strikes and sometimes flooding/water damage are all covered in standard homeowners policies. However, normal wear and tear on your air conditioning unit or accidental damage is not covered. So if your AC breaks after 10 years of use, then you won't be reimbursed for repair or replacement.

Typically if there is a fire that destroys your AC unit, a replacement unit will be covered. Additionally, if your air conditioning unit is struck by lightning damaging electrical components, then your homeowners insurance should cover the repairs or replacement.

In the case that a tree comes crashing down and destroys your AC unit, you are protected because policies typically cover damage caused by trees. If, for some strange reason, your AC unit is vandalized you are also covered since home insurance typically covers destruction from vandalism.

When Isn't Your AC Covered by a Homeowners Insurance Policy?

Homeowners insurance policies do not cover Ac malfunctions caused by lack of maintenance, general wear and tear, or accidents. An air conditioner that fails after 10 years of use won’t be covered by your home insurance.

When it comes to water damage you should be very careful. Air conditioning units are not usually susceptible to water damage but they produce water themselves. If that water leaks into your home causing water damage you won't be covered because it would be considered a maintenance issue. This is why it is important to conditionally check on your AC unit to avoid any problems and unwanted expenses.

Home Warranty

To help reduce the cost of repairs on your home appliances consider getting a home warranty. Home warranties are also called home repair insurance and they cover the cost to repair your home's systems and appliances, including your air conditioner. To get a home warranty through us email us at with you name, email, phone number and address or call us at 480-535-5709.

With summer right around the corner you may want to check on your AC unit and make sure it is working properly. If you have any questions about your homeowners insurance policy give us a call at 480-535-5709 or email us at

AZ Insurance Team


*All policies are a little different and this may not be applicable to your insurance policy, talk to your agent to see what your policy covers.*


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