Will I Need Additional Homeowners Insurance For My Air Conditioner?


There are many pros and cons to homeownership. Owning a home means that you’re the one that is responsible if repairs need to be made. Sometimes, these repairs can be claimed on your homeowner’s insurance policy, depending on the circumstances you may be able to recoup some of your repair bills by putting in a claim. Always keep your receipts and make sure that you’re checking on the various ways to pay for such repairs or replacement of products.

Of course, regardless, you’re still going to be responsible for the deductible. This deductible amount will also vary from one policy to the next. Sometimes, it’s simply better to pay for the repairs than to claim them, especially if they’re under the amount of your deductible.

Understanding Your Homeowner’s Insurance Policy

Your homeowner’s insurance policy will cover many circumstances that can happen to your home. Should your air conditioner fail due to damage from a major storm, vandalism, or other cataclysmic events, you may be able to file a claim for your air conditioner on your homeowner’s insurance policy. Keep in mind that it must also be installed properly for your policy to cover your air conditioning unit as well.

Typical coverage will include fire, fire that is started by lightning, theft, vandalism, plumbing issues (flooding and frozen), and other circumstances such as an earthquake or hurricane. These are all subject to the particular clauses in your homeowner’s insurance. Each homeowner’s insurance policy is slightly different, and you’ll want to fully understand it before you sign on the dotted line and pay your premium.


Many policies will directly exclude specific circumstances and you’ll want to have a clear picture of what these are before you file a claim. Better yet, be sure to fully understand your policy before you sign on the dotted line accepting the particular coverages of your policy. If you’re unsure, be sure and ask your insurance agent specific questions. Don’t ask general questions, ask specific such as “Is my air conditioner that came with the house covered?”

Exclusions are clearly noted on your homeowner’s insurance policy and you’ll want to make sure that you fully understand what these are and aren’t before you sign on the dotted line and pay your first premium. Occasionally, you can have a rider that will allow for the particular circumstance as long as everything is properly initialed and executed on the policy itself.

Manufacturer Warranty

Another great option is to consider what the manufacturer’s warranty on your air conditioning unit is. If you were the original purchaser, you may be able to claim damages to your air conditioning unit on your manufacturer warranty.

Unfortunately, if you purchased the air conditioning unit used, or it came with the house, you may not have the same options. Typically, the warranty is for the original purchaser only. It never hurts to contact the company and ask; however, you’re likely going to have to go an alternative route to get a warranty on the product.

Extended Warranties

Many homeowners will get an extended warranty for some of their appliances and other items that are used in the household. These warranties will often pay for repairs or replace the item under specific circumstances. These warranties won’t usually require a deductible and thus the item can be repaired under the specified requirements.

If you’re unsure of what your warranty covers, you’ll want to make sure to read the fine print. If it’s not covered, you’ll want to know if you’re homeowner’s insurance policy is going to cover it. This means that you’ll also have to read the fine print on your homeowner’s policy.

Central Air

It’s also worthy of note that often it’s the type of air conditioning unit that is or isn’t covered by a homeowner’s insurance policy. A Central Air unit may be hooked into the heating system and may be covered under certain specifics. A stand-alone unit with refrigerant from bluon energy homepage or a window unit may not be covered by the homeowner’s insurance policy, however, it may have a warranty.

Stand-alone units often have their own warranties and you can then claim for damages and repairs on the warranty that the product comes with. These are often very limited and will have an expiration date.  Once these expire you’ll be responsible for any and all repairs, so this is also important to keep in mind.


Always keep in mind the amount of your deductible on your homeowner’s insurance policy. If your product is defective it will likely be covered regardless. However, if your product is damaged, and it’s under the deductible amount, you may wish to go ahead and simply pay for the repairs and save yourself a claim on your homeowner’s insurance policy.

Since deductibles will vary greatly from around $100 upward to $1000 or more, you may wish to set this amount aside in a savings account so that you can always have an emergency fund on hand to pay the deductible should there ever be the need for a repair that is less than the deductible. This can save you a lot on your claims history and just makes good budgeting sense. If you have too many claims on your homeowner’s insurance, you also risk your premium going up so you won’t want to claim anything that is under the amount of your deductible.

Understanding what is and isn’t covered on your homeowner’s insurance policy will go far in helping you to plan ahead for the future of homeownership. Not all policies are the same and some will have exclusions depending on the region that you live in. Keep in mind what is and isn’t covered before you need it.

If something isn’t covered and you’re concerned about it, you may wish to consider the warranty, extended warranties, and special clauses on your homeowner’s insurance policy. Keeping this in mind will help you to understand what you should purchase additionally if you’re in need of coverage. Don’t be left uncovered, be prepared and plan ahead as much as possible to save on your budget.

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