Does homeowners insurance cover air conditioner replacement?

If your air conditioner is damaged or destroyed due to a covered peril, such as lightning or a windstorm, your homeowners insurance policy may pay to repair or replace the unit, up to your coverage limit and minus your homeowners insurance deductible. Your policy won’t cover damage due to wear and tear—although a home warranty plan may. Learn more about the difference between a home warranty vs. homeowners insurance.

Central AC units and dwelling coverage

Your policy’s dwelling coverage may cover a central AC unit, which is considered part of the home's structure.

Window AC units and personal property coverage

Personal property coverage on your homeowners policy may cover a window AC unit, which is not part of the home's structure (you can put it in and take it out at any time).

How to get homeowners insurance with Progressive

Online

Compare and customize your coverages and limits when you quote online.

Call a rep

Talk to a licensed representative who can help you quote home insurance.

Through an agent

Connect with a licensed independent agent in your neighborhood.