Does homeowners insurance cover AC repair? Home insurance, also commonly called homeowner’s insurance (often abbreviated in the US real estate industry as HOI), is a type of property insurance that covers a private residence. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Additionally, homeowner’s insurance provides financial protection against disasters. A standard home insurance policy insures the home itself along with the things kept inside.
Homeowners insurance tends to cover AC damage from lightning, fire, and power surge, but read the fine print in your policy.
A standard policy covers everything from built-in heating, ventilation, and air-conditioning (HVAC) systems to ductless and windows AC units if they’re damaged by a fire or stolen from your property.
Homeowners insurance covers damage to AC units if it’s caused by a covered hazard.
Damage that’s usually covered: Fire, smoke, lightning, and power surges
Homeowners insurance covers AC units in the same way both the structure of your home and your personal belongings are protected. If the system is damaged by a covered loss, vandalized, or stolen, you’ll likely be reimbursed for repairs or the cost of a new one.
Common HVAC damage covered by homeowners insurance: wind, fallen trees, theft, vandalism, lightning, fire and smoke, power surges
Since HVAC is considered part of the home, it’d be covered under the dwelling section of the policy with all-risks coverage.
Heating and air-conditioning systems can also cause extensive water damage to your home and personal belongings when pipes rupture due to freezing temperatures or if a drainage issue causes a leak.
If you file a water damage claim after an HVAC-related leak and the insurance adjuster determines the damage was caused by a clogged drain line that occurred over months or years of neglect, your claim may be denied.
But if the pipes connected to your air-conditioning system freeze and burst, causing damage to other parts of your home and your items, you may be covered for the damage caused by the AC, but you likely wouldn’t be reimbursed for a new system.
Ask Dragon Air Services: “Does homeowners insurance cover AC repair?”
Dragon Air Services is a family-owned business located in the heart of Plano. We specialize in residential Air Conditioning and Heating repairs, Air Conditioning, and Heating replacements, and Air conditioning and Heating service. Our expert technicians pride themselves on providing honest diagnostics so our customers can make educated decisions on what’s best for them. If you are in need of replacing an HVAC unit in Dallas, Plano or surrounding cities call us today at 214-790-9872 to schedule an appointment.
Here’s the list of services we provide in Plano and Collin County
AC and Heater Preventative Maintenance Furnace Repair