Frequently Asked Questions
Would My Broken Air Conditioner Be Covered Under My Home Insurance?
Homeowners insurance typically covers damage caused by calamity and mother nature, but not accidents like spilling a drink into your unit or normal wear and tear. This only covers items damaged in fires, flooding, wind and other natural disasters, and not every policy is the same. State Farm homeowners insurance polices, for example, don’t include flooding and only cover overflow of steam, but not leakage from your AC unit. A home warranty, on the other hand, offers repairs and replacements for air conditioning units that fail due to simple wear and tear.
Choice Home Warranty covers central air conditioning in our Total Plan. All you need to do is pay a small service fee after calling the Choice Home Warranty claims department, and you’ll be quickly on your way to repairing or replacing your unit and returning your home to comfort.
Are Stolen AC Units Covered Under Homeowners Insurance?
Unfortunately air conditioning units are expensive and susceptible to theft. Thankfully, most insurance policies do cover stolen AC units, but you’ll have to read the full policy to see if a full or partial replacement is offered. If this happens to you, make sure to file a police report before filing a claim with your insurer.
What Exactly Is Air Conditioner Insurance?
Your homeowner’s insurance might not cover your air conditioning unit, unless under severe cases like a weather incident. Coverage against issues that arise as a result of normal wear and tear requires additional protection. While Choice Home Warranty does not offer air conditioner “insurance,” we do offer home warranty plans that protect your air conditioner from normal wear and tear. Under our Total Plan, air conditioner coverage is included.*
How Can I Maintain My Air Conditioning Unit?
If you want your air conditioning unit to remain working and reliable for years to come, you’ll need to perform some basic maintenance tasks to keep it running smoothly. Below are some tips from the U.S. Department of Energy for keeping your air conditioner in great condition and in line with most manufacturer upkeep instructions:
- Replace and clean your air conditioner filters—Perhaps the most critical maintenance task to ensure your unit runs smoothly is to clean and replace your air conditioning filters. When filters become clogged, they can block the entire system’s airflow and reduce the efficiency of your machine significantly. Some types of filters are reusable — you can clean them and put them back in — while others need to be replaced. Find out what your machine needs and make sure to properly maintain your filters in order to maintain your unit.
- Remove debris—Dirt and small debris build up over time on your air conditioner’s evaporator coil and condenser coil. The dirt buildup reduces the coil’s ability to absorb heat by insulating it and reducing airflow. Simply checking up on the coil every year and cleaning it if necessary can help you avoid this problem.
- Cover when not in use—If you have an outdoor unit, try to cover and store it for the winter. Exposing your air conditioning unit to extreme cold can cause the pipes to freeze and burst, leaving you with a broken air conditioner when the spring and summer months come.
How Much Does It Cost to Replace a Central Air Conditioning Unit?
Depending on whether or not you have a home warranty that covers air conditioning unit repair and replacement, the cost of repairs or replacements for central air conditioning units can vary wildly. Plans that cover air conditioners provide peace of mind to homeowners, so even if your appliance breaks, you’ll be safe from the hefty out-of-pocket costs. Most homeowners are forced to spend around several hundreds of dollars on a replacement air conditioning system. Installation for that unit, depending on how advanced it is or how complicated the system is, can run your bill into the thousands of dollars.
Without a warranty, not only will you have to deal with the discomfort of a warm home, but you’ll also find yourself having to worry about managing the financial burden of replacing or repairing the unit. A home warranty is a smart purchase for nearly every homeowner.
Why Get a Home Warranty Plan with Choice Home Warranty?
Choice Home Warranty prioritizes customer satisfaction. Whether you’re looking to protect your air conditioner, your refrigerator or your garage door, Choice Home Warranty offers two different warranty plans, with the option of adding additional coverage on parts and services that aren’t typically covered by other providers such as septic tanks and pool parts. Here’s what you’ll get when you choose Choice Home Warranty for your protection plan:
- 24/7 customer support—You get access to a high-quality team of knowledgeable customer service representatives.
- Automatic policy renewal—You won’t get stuck paying for unexpected repairs because you forgot to renew your plan.
- Emergency service availability—Broken appliances or services can occur at any time of the day, which is why Choice Home Warranty allows you to process claims at any time.
- Professional, experienced service technicians—When you buy a warranty plan, you don’t have to rely on word-of-mouth recommendations for service professionals.
- High-quality service with affordable pricing*—Pay a yearly or monthly fee, choosing a plan that works best for your home and your budget.
Consider Choice Home Warranty to cover all your most essential appliances and units. Get a free quote or call us today at (848) 256-4657.
* There are also specific limitations of coverage for each appliance and system. Click Here to view complete limits of liability and any exclusions. CHW offers service contracts, which are not warranties. ** See policy for specifics on response times. *** CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance. **** In the event a claim is denied, and a customer seeks to have Us review that denial, We have the right to request routine maintenance records in reviewing its decision.