Does Homeowners Insurance Cover Air Conditioning Units? 
To answer this question , I will assume that it is posed to determine if a homeowner policy will cover any type of damage to an air conditioner , absent any other facts . The homeowner policy is definitely not a maintenance policy and therefore will not pay for damage to the unit , unless it is damaged by the occurrence of some other type of covered peril . For example , if it is a relatively expensive ` window unit ' and a heavy picture falls off of the wall , striking and severely damaging the ac unit , there could be coverage , subject to the application of the homeowner policy deductible . In reality , you should think twice about the future premium increase ramifications of submitting a smallish claim of this nature . You would , in a situation of this nature , check with your agent to make sure it is worth submitting . If it is a central ac unit and is damaged by a fire in the garage caused by a carelessly laid cigar , there would be coverage , again subject to the deductible . The financial loss for a central ac unit would no doubt be much more extensive that for a window unit and might therefore merit claim submission . Also , the fire described would probably have damaged the walls , ceiling , possibly stored objects , etc. , and produced smoke damage to other parts of a house , if attached , justifying submission of a broader claim for damages , including those to the ac unit . 