Does Homeowners Insurance Cover Central Air? 
If the air conditioner is damaged by a covered peril then it may be covered under your homeowners insurance . If it simply breaks down then it is not . For example , lightning strikes your air conditioner , a tree falls on it , a fire destroys it , there is coverage . Your child decides to put a stick in the running fan and damages it or it simply stops working due to age or normal wear and tear , there is no coverage . 