Home insurance typically covers AC units and heat pumps for damage caused by fires, falling trees, vandalism, lightning strikes and sometimes flooding, similar to coverage for the rest of your home. However, normal wear and tear or accidental damage is typically not covered by home insurance policies. If your HVAC simply breaks after 10 years of use, then you usually won't be reimbursed for repair or replacement. We encourage you to check with your home insurance company for specific coverage details about your air conditioning or heating unit. You can always reach out to Home Run Financing when your insurance company refuses to cover the costs. We can help you get AC financing quickly and affordably, regardless of your credit score.