time to replace broken air conditioner

When does homeowners insurance not cover AC? 

When does homeowners insurance not cover AC? If your HVAC unit stops working one day due to normal wear and tear, your insurance company may not reimburse you for a new one. Damage that is usually NOT covered: Flooding, wear, and tear, or mechanical breakdown. 

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 will not reimburse you for a new AC unit if it stopped working due to normal wear and tear, maintenance issues, or mechanical breakdown from improper installation or lack of quality. A standard policy also won’t cover damage caused by flooding.  

Keep an eye out for those rodents. Rodents and pests are also known to chew through HVAC electrical components and form nests in the ductwork, causing damage to the system itself and creating harmful air quality in your home.  

Similar to wear and tear and flood damage, rodent and pest damage is also listed as an exclusion in homeowners insurance, so check the fine print the way you may check for rodents around your house. Snakes included.  

Many homeowners insurance companies offer equipment breakdown coverage, and supplemental coverage for appliances that you can add to your policy.  

What does equipment breakdown insurance cover? 

Also known as “boiler and machinery” coverage, equipment insurance protects you in the event of breakdowns caused by power surges, motor burnout, boiler malfunction and operator error. Equipment breakdown insurance covers all sorts of equipment – mechanical and electrical equipment, computers and communication equipment, air conditioning and refrigeration systems, boilers and pressure equipment. It also includes coverage for new technology. 

If your insurer doesn’t offer equipment breakdown coverage, you also have the option of purchasing a home warranty for your appliances through a specialized home warranty company.  

In case no insurance works for you, check out for ways to maintain your AC 

Replacing air filters can go long way, for sure. Usually, it is the easiest thing you can do in terms of maintenance. Every unit is somewhat different and may require a different type of filter, different sizes, or AC filters have to be replaced on different schedules. Give it a little bit of attention and in return, you’ll get a great performance for a long time. A new filter means better airflow, cleaner air, and less pressure on AC to maintain the airflow. 

Unclogging vents can go a long way. It’s like cholesterol in your vents, obstructing the airflow and bringing less air through. Don’t let smaller things affect your vents. Cleaning it up should not take too long and certified Dragon Air technicians can help with it. 

Our certified AC technicians can work with you on your AC tune-up across Dallas – Fort Worth metroplex. Probably the best preventive maintenance option is simply to have an AC professional take a look and make sure your system is set up in the best possible way, providing enough unobstructed air to you and your home. Dragon Air Services technicians are trained and licensed to help you with inspecting AC, and answering your questions. Having a professional answering your AC questions, all around Dallas-Fort Worth metroplex, can just give you peace of mind and working AC. 

Rain, snow, ice, all weather elements may create quite a bit of mess around your AC. Flying pieces of trash can lodge themselves inside your AC system. Simple inspections around your AC system and clearing of debris and smaller elements can go long way in preventing any possible issues. 

For ‘When does homeowners insurance not cover AC?’ and other questions contact your friendly neighbourhood HVAC shop, Dragon Air Services.

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 repair  

AC Replacement  

AC Installation  

Heater Repairs  

Heater Replacements  

Heater Installation  

AC and Heater Preventative Maintenance Furnace Repair  

Furnace Replacement  

Furnace Installation  

Duct Replacement