Now days, air conditioning (AC) system has now become the most important and widely used home appliance in almost every home. If there is any damage to your AC system due to any unwanted or sudden fire accident, storm, earthquake or anything, it should be repaired or replaced with the new one. In this situation, most of the house owners think that homeowners insurance cover a/c repair or replacement for your needs. But it is covered by any type of the home insurance policies to repair the damages of your air conditioner system or the replacement of the new one.
Home insurance for AC repair
If you have applied for any home insurance policy, it definitely covers the damages done to your AC system as the result of the specific causes such as earthquake, storm, theft, fire or anything. Based on the type of air conditioner, it is the part of your home structure or the personal property. So, you should have to file the claim for the damages from the particular causes based on your home insurance policy. The damages caused to the AC units by lightning strikes, falling trees or some flooding will also be covered in the standard home insurance policies.
Other important considerations
But the AC unit damages caused by the normal wear & tear or accident will not be covered in the home insurance plan. All the states and countries will not agree the repair or replacement cost of the air conditioner when it is caused by the human errors. The damages by the sudden or unexpected accidents and the natural disasters like earthquakes, storm or flooding will only be covered by the home insurance policies given by the top tier homeowners insurance companies in your region.