Does Homeowners Insurance Cover Stolen AC Units? 
The most common homeowner policy forms of coverage written in the USA today includes the peril of theft - also called the `` cause of loss '' . All policies also include limitations and exclusions that may restrict theft to certain dollar figures or certain types of property to a certain dollar amounts . Generally speaking , the theft of an air conditioning unit is not one of the common types of property that is limited or excluded . You should not assume this advice is the same for policies covering rental properties as they are occasionally written without the theft peril due to the choice of coverage terms . In some rare cases theft is a cause of loss that can be bought back in certain coverage amounts for an additional premium on rental/landlord type policies . The DF3 or DP3 forms include theft for landlords but check local representatives for specific advice in your locality that conforms to local custom and practice . Either way , it is still a good question for your local representative who can point to the exact language or limitation in your insurance coverage and help you understand how to deal with the new exposure to the theft of devices and property that has aluminum , copper , and other metals of value from your property . . 