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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.


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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.


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