Does House Insurance cover an Air conditioning repair?
My House’s Air conditioner is busted. I brought in a guy to try and fixed it and he said that it was to damaged and that it might cost 2,000 to repair it.
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mbrcatz posted: 17 Aug at 4:45 pm
It depends on WHY it’s broken.
Mechanical breakdown, wear and tear, isn’t covered under homeowners. You really just have to plan and budget for replacing the a/c and furnace every 15 years or so. It’s part of maintenance.
If, however, someone (who doens’t live in your house) whacked it with a baseball bat, that’s covered (vandalism). If it got fried due to a lightening hit, THAT’S covered, too.
StephenWeinstein posted: 17 Aug at 4:51 pm
If it simply broke down, due to age or ordinary wear and tear, definitely not.
If it was damaged by a specific external event, such as vandalism, being hit by a car, having a tree fall on it, being lifted off the ground by a tornado, etc., then maybe.
Insurance Pickle.com posted: 17 Aug at 5:25 pm
If a tree fell on it, it will. But, if it’s old then it won’t. $2,000 should get you a brand new unit though. Make sure you get other opinions.