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Does Home Owner Insurance Cover HVAC?

Does Home Owner Insurance Cover HVAC?

When it comes to your home, it’s one of the most important assets in your life. Protecting it with the right homeowner’s insurance in Decatur is essential. Of course, in Georgia, it’s hard to survive without air conditioning in the summer or cooling in the winter.

A common question that we have at Focus Insurance Group is, “Does home insurance cover HVAC?” In this blog post, let’s explore the answer to that question.

We’ll answer, “Will homeowner’s insurance cover HVAC?” and we’ll talk about how to protect you, your family, and your property going forward.

Does Homeowners Insurance Cover HVAC Replacement?

To answer the question, “Will homeowners insurance cover HVAC?” we have to look at the type of coverage that you have and the type of area that was damaged.

For coverage A insurance, which is also called dwelling insurance, then your HVAC may be covered. It’s considered part of the home. For coverage C, the context is more within personal property insurance.

So if you have a portable unit, then it would fall under personal property, and therefore it may be covered with a Coverage C policy.

When Does Homeowners Insurance Cover HVAC?

It turns out that the answer to “Does home owners insurance cover AC?” varies. In general terms, your HVAC unit damage has to fall under a covered peril in order for you to be reimbursed for the loss by the insurance company. This could be a lightning strike, a fire, or something similar.

Therefore, if one of these incidents indirectly causes your AC to have issues, it will be covered. For instance, a lightning strike may fry your HVAC unit. In this case, it’s very likely that your insurance will cover it. That’s because most homeowners insurance policies do cover lightning damage.

The same goes for fire damage. If there’s a home fire that happens to damage your HVAC unit, you will likely be covered. Still, keep in mind that there are variations in how to file homeowners insurance claims — so seeking expert guidance is usually advised.

Do Homeowner Insurance Cover Window AC Units?

Now that we know the answer to “Does home owners insurance cover HVAC?”, let’s talk about window AC.

Technically, window units are typically considered personal property. Therefore in order to have a window HVAC unit fall under your policy, you would have to have personal property-related coverage.

For some H03 policies, a central AC unit has open peril coverage. That means anything that is not specifically excluded is covered. This differs from a window unit, which will usually only be covered for a named peril. In this case, coverage must be explicitly stated rather than implied.

Of course, every policy is different, so make sure to talk to an agent to understand whether or not your HVAC might be covered.

Learn More About Your AC Insurance Options Today

Contact a licensed insurance agent at Focus Insurance Group today. We’ll make sure that you find the right insurance for your needs within your budget. You deserve to be protected and have peace of mind, so don’t hesitate.

We’ll address any other questions you may have, such as “Does USAA homeowners insurance cover HVAC?” and more.

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