does your home owners policy cover if a air conditner caught on fire
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UPDATED: Jun 17, 2010
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Insurance Question from Sugar Valley, GA
Asked on 06/17/2010
does your home owners policy cover if a air conditner caught on fire NULL
Answer given on June 30, 2010
The homeowner policy covers for fire damage to the home and its equipment, such as an air conditioner. Presuming the air conditioner is outside of the home, the main damage would be to the unit itself and possibly the exterior of the home. The homeowner policy does have a deductible that applies to all covered losses, so you need to understand what your deductible is. You should talk to your insurance agent if you are not certain.
Insurance companies are beginning to increase rates if there are losses to the policy. Make sure that any settlement from the insurance company will be enough to risk the increased premium for having had a loss. Again, discuss this with your agent before you submit a claim.
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