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Will My Homeowners Insurance Cover HVAC Damage?

Updated: Apr 28, 2022

See what your home insurance provider may do if your HVAC system unexpectedly breaks down before you sweat it out in the summer or freeze in the winter.

Heating, ventilation, and air conditioning (HVAC) systems are covered under a conventional homes insurance policy if they are destroyed by a fire, for example. Your insurance carrier, on the other hand, is unlikely to cover your claim if your air conditioner breaks down due to an accident or natural wear and use. That's why, no matter the season, it's critical to ensure that your HVAC system is properly covered by your house insurance policy (or any add-on) to keep you and your wallet stress-free.

HVAC Damage

When Do HVAC Units Get Covered By Homeowners Insurance?

Hail damage is a typical covered cause of central air conditioning equipment damage. Dwelling coverage may assist in the repair or replacement of a built-in device such as a central air conditioning unit that has been damaged by hail. Window air conditioners would be considered personal property and might not be insured. If you're not sure what your coverage covers, contact your insurer.

Your built-in air conditioner is damaged when a tree falls on it.The majority of conventional homeowner's insurance plans include coverage for falling items. If a tree falls and damages your air conditioner, your insurer may be able to help you pay for or repair it. Your insurer would most likely cover a central air conditioning unit that was damaged by a fallen tree. If a fallen tree destroyed the AC unit and the home's façade, the window unit could be covered. Find out what your coverage covers by contacting your insurer.

When Doesn't Homeowner Insurance Cover HVAC Units?

When you have a faulty HVAC unit, there are several situations when you won't be covered.

However, there are numerous instances where your insurance coverage simply does not cover the cost of repairs. Basic homeowner's insurance, for example, will not cover damage caused by an earthquake. In addition, routine maintenance will not be covered. If your HVAC unit just ceased operating for no apparent reason, you will almost certainly have to pay for repairs out of pocket—though, depending on the extent of the damage, it may be more cost-effective to purchase a new HVAC unit. You can still file a claim, but it is quite probable that it will be rejected.

Insurance for Major Appliances

Other options for covering the expense of fixing damaged HVAC equipment exist. Additional large appliance insurance can be purchased for air conditioning repair. When your big appliances, like your HVAC unit, break down and need to be fixed, there is a particular type of insurance that will cover you. Inquire with your insurance carrier about adding this coverage to your policy.

Want to make sure your HVAC unit is running properly and is up to date? Contact us to learn how BEAM HVAC can help you save energy this fall.

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