Posted on Jan 6, 2020

AC Man Houston

Homeowners Insurance Policy: Do They Cover The Damages Of Your AC Unit In Houston?

The majority of homeowners’ insurance policies will only cover the damages that your AC unit has sustained due to a “covered peril” which will be listed in the policy. Depending on what type of air-conditioning unit you have, it may be included in a structural part of your home or your personal property, which means you can only file claims for damages from a specific cause that is included in the policy.

What Are Covered To Your AC Unit Homeowners Insurance?

Home insurance will cover heat pumps and AC units in the same way that it covers other parts of your house. Damages that are caused by vandalism, lightning strikes, a fallen tree, fires, and in some cases flooding will all be covered by a standard homeowners’ policy. However, accidental damages and general wear-and-tear is not covered. This means if your AC unit breaks down and it is 10 years old, you cannot claim for a replacement or repair. This is common across the majority of the homeowners’ insurance providers.

Lighting & Fire Damage

If a fire has destroyed your AC unit, then your homeowner’s insurance policy should cover a replacement or repair. If your AC unit has been struck by lighting which has damaged or destroyed the electrical components, your insurance policy should also reimburse you to replace the unit.

Read more at the link below.
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