Will Homeowners Insurance Cover A New Air Conditioner? 
Based on the question I have to make assumptions that your old air conditioner just wore out and broke down . If this is the case then no , your homeowners insurance will not cover to get you a new air conditioner . Homeowners insurance polices are not warranties or maintenance policies . This includes mechanical breakdown . Damage must be sudden and accidental . Fire , or vandalism would fall into the sudden and accidental category . 