Does a standard home owners insurance policy cover air conditioning unit if it stops working?

Question

Does a standard home owners insurance policy cover air conditioning unit if it stops working? Does it cover the air handler in the addick? It's a ground mounted dual unit.

Answer 1

Check your policy, but my feelings based on past experience are if you don't have a supp. for mechanicals, it won't be covered.

Answer 2

I think you are confusing a homeowners insurance policy with a home warranty. There are home warranty companies that, for a yearly fee of about $450, will cover most of what can break in a house in the following way: When something breaks, such as a ceiling fan, call the company (or go online), report the problem, and you'll soon get a phone call from a local repair company. When they come out, no matter what the actual cost of the repair is, you pay a flat rate (usually $50 or so). Some companies charge a bit extra on their yearly rate to add washer/dryer repairs; I think air conditioning is standard, but check. I've found a home warranty to be invaluable and well worth the money; some people find that their company denies too many repairs. Shop around and check your contract carefully to make sure what repairs are covered. FYI, no one comes out to look at your house before they give you a contract; you simply have to pay the fee.

Answer 3

If the huse burns down the insurance company will replace the home, contents, heat & air system etc. It will not replace the air handler in the attic or the outside compressor under normal conditions.
You could call your insurance agent.....He could use a good laugh.

Answer 4

No it doesn't...Home owners insurance only covers it when there is damage done by a fire ...vandalism..you may want to purchase a policy from the A/C manufacture (extended warranty)

Answer 5

This just happened to me after an electrical storm and YES it was covered. The key was that the electrician had to state that the failure was due to the storm.

Answer 6

No. Homeowners insurance is not a maintenance contract. If it was damaged by wind or a tornado, then it would cover it.

Answer 7

No, but you can find a do it yourself troubleshooting guide at http://www.hvac-for-beginners.com to help you fix it yourself.