Is Air Conditioner Covered Under Homeowners Insurance? 
Air Conditioning Units are covered under Homeowners Insurance policies for the perils afforded against by the policy ; i.e. Fire , Wind , Hail , Vandalism etc. . . If the question is regarding repairs and maintenance , the unit would be covered either by a Manufacturer 's Service Contract or a Home Warranty Policy and not your Home Insurance Policy . Homeowners Insurance is designed to protect the home against covered perils to assist the homeowner from financial loss ; it is not designed as a repairs and warranty policy for appliances and general upkeep . Home Warranty policies are available for appliances and repairs of systems in homes ; the homeowner would have to pay a premium for the warranty policy and each service visit would be covered after a deductible which would be agreed upon on the policy . 