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).