Home insurance may help cover your heating, ventilation and air conditioning (HVAC) system if it’s damaged by a covered peril, as defined in your policy documents. Here are some situations when your home insurance may help pay for a replacement if your air conditioning unit stops working.

How long does a residential AC unit last?

10 to 15 years
Though the lifespan of a home air conditioner varies based on many factors, those that are well-maintained should last 10 to 15 years. And by completing regular checkups and repairs – both big and small – many systems can last even longer.

When does homeowners insurance cover an AC unit?

Homeowners insurance covers AC units in the same way both the structure of your home and your personal belongings are protected — if the system is damaged by a covered loss, vandalized, or stolen, you’ll likely be reimbursed for repairs or the cost of a new one. Common causes of HVAC damage that are covered by homeowners insurance include:

What kind of insurance do you need for a HVAC system?

A standard homeowners insurance policy provides coverage for heating, ventilation and air conditioning (HVAC) systems if they’re damaged by a fire, for example. But if your AC unit stops working due to an accident or normal wear and tear, your insurance company probably won’t pay your claim.

Can a home insurance policy cover lightning damage to an AC unit?

That’s because lightning damage is covered by most standard home insurance policies. On the other hand, if your AC unit is ruined by flooding, your homeowners policy likely won’t offer coverage because flooding is excluded on most policies. Another important consideration: normal wear and tear isn’t covered.

Do you have to pay out of pocket for HVAC system?

If you are going to file an insurance claim for your HVAC system, be mindful of your deductible. If your insurance company determines it is covered under your home insurance policy, you are still responsible for coming up with the deductible out of pocket.