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It depends on why the AC system would need replacement.

Homeowners insurance provdes coverage damages that result from certain covered perils, typically Fire, Wind, Hail, etc.

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Q: Will homeowners insurance pay for AC system?
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Does allstate homeowners insurance cover condensation leaking from AC ducting damage?

No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.

Will homeowners insurance pay for central heating and air condition unit if it goes out?

It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.

Does homeowners insurance covers AC repair or replacement?

Only if it was damaged by a covered peril such as fire, vandalism, falling object, lightning strike, etc. If your Ac is just broken down then it will not be covered under your home insurance policy. That would be a normal and expected maintenance issue.

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Does homeowners insurance cover air conditioners?

Absolutely. A central air unit is considered and covered as part of the house while a window unit is considered personal property. As long as damage happened due to a covered cause then the homeowners policy will cover damage to the ac unit.

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