Summers in Albuquerque can get brutally hot—and when the temperature soars, your air conditioner becomes more than just a luxury. It’s a lifeline.
But what happens if your AC system fails on the hottest day of the year? Will your homeowners insurance cover the repair or replacement? Let’s break it down so you know what’s covered, what’s not, and how to stay cool and protected this summer.
🔧 Is AC Covered by Homeowners Insurance?
The answer is: it depends. If your AC system is damaged due to a sudden, unexpected event, such as:
- A lightning strike
- Fire
- Vandalism
- A falling object (like a tree limb during a storm)
…then your homeowners insurance policy may cover repairs or replacement.
However, if your unit simply breaks down due to age, poor maintenance, or wear and tear, that’s considered a maintenance issue—and most standard homeowners policies won’t cover it.
🛠️ When AC Isn’t Covered
Here are common situations that are typically excluded from homeowners insurance coverage:
- Mechanical failure from old age
- Electrical issues due to poor installation
- Lack of routine maintenance (e.g., dirty filters, worn parts)
- Gradual wear-and-tear or rust
- Manufacturer defects
In these cases, a home warranty plan or separate equipment breakdown endorsement may provide coverage—but it’s not part of a standard homeowners policy.
🔍 How to Know If You’re Protected
Here at ABQ Insurance, we recommend reviewing your policy before the heat wave hits. Ask:
- Does your policy include equipment breakdown coverage?
- Is your deductible higher than the cost of a repair?
- Do you have a home warranty that supplements your homeowners policy?
If you’re unsure about what’s covered or if your coverage is outdated, we’ll walk you through the fine print.
💡 Pro Tip: Preventive Maintenance Pays Off
Even if insurance doesn’t cover your AC unit, you can still save money by protecting your system with basic seasonal upkeep:
- Change filters monthly during peak summer use
- Clear debris and dust from outdoor units
- Schedule annual inspections
- Don’t overload your system—close windows and insulate properly
Not only does this extend the life of your unit, it helps avoid insurance claim denials due to neglect.
📞 Get a Homeowners Insurance Quote Albuquerque NM Trusts
Don’t wait until your AC fails to find out what your policy does (or doesn’t) cover. At ABQ Insurance, we offer clear, customized protection tailored to Albuquerque homeowners—with options to add the extras you need.
Need a fast Homeowners Insurance Quote Albuquerque NM residents can rely on? We shop multiple carriers to find the best fit for your home and budget.
Stay cool and confident this summer. Call ABQ Insurance today and let’s make sure your policy can weather the heat. 505-217-2100
