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ac unit outside of a homeThe air conditioning unit in most homes should last 15 to 20 years or longer with good maintenance. When it stops working or is no longer efficient, replacement can be expensive. You may want to consider turning to your home insurance policy for help in getting a new unit. However, there are only a handful of situations in which your coverage will apply. When does home insurance cover your A/C unit? Here’s more insight.

Replacing Your Air Conditioner

Your home’s heating and cooling system are major components of the property. When a problem occurs, get help for it from a licensed professional right away. Your goal should always be to prolong the life of any major system like this as long as doing so keeps it working efficiently. According to Home Advisor, it costs between $3,747 and $7,240 to replace a home air conditioner.

In most situations, home insurance will not cover these costs. If your system is old or is simply worn down due to normal wear and tear, it is unlikely that your policy will offer any coverage or financial help for this replacement. Additionally, if it stopped working as a result of poor maintenance, it’s unlikely your policy will apply in this situation either. Maintenance is your responsibility.

When Will Home Insurance Help?

Be sure to read through the terms of your coverage thoroughly. Most policies provide coverage in incidents related to accidents or unavoidable situations. Here are a few times when your policy may help you.

  • There is a fire in your home. Smoke gets into the air conditioner. Your policy may pay for the repairs to the A/C unit if it covers the fire.
  • There is a flood in your home due to a broken water pipe. That causes electrical damage to the air conditioner. If the policy covers the water damage, it may help with the A/C unit as well.
  • There is a storm that damages your roof. Your air conditioner is in the attic of your home and suffers water damage. Your policy may apply here, too.

If you are unsure if your situation warrants a claim, call Lancette Agency at (651) 264-1230. Discuss your options and needs. Many times, there is help available to you if there is an unavoidable incident. Yet, routine replacement of your home’s heating or cooling systems is not likely through most standard home insurance policies.

Also Read: How Will Home Insurance Cover Your Kitchen Fire

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Posted 8:00 AM

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