Recently I was asked if home insurance would cover mechanical breakdown of equipment such as an AC unit or pool pump. The answer is, not usually. Mechanical breakdown or wear and tear is usually listed as one of the exclusions in an open peril home insurance policy. (If you have a named peril policy, mechanical breakdown and/or wear and tear is not a named peril, and therefore not covered.)
An AC unit would be covered if it was damage due to hail or wind, or if it were stolen or vandalized. These are examples of covered perils in the typical home insurance policy.
If your AC unit just stops working because of a mechanical problem, that is not a covered peril under most home insurance policies. However, some insurance carriers have amended their policy so mechanical breakdown can be added or endorsed onto a homeowners insurance policy.
If you would like more information about adding mechanical breakdown to your home insurance policy or to obtain coverage from a insurance company willing to provide the coverage, please contact Insurance Professionals of Arizona. Our licensed agents can give you the coverage you need at a price you can afford. We will shop your home insurance with over a dozen companies to find you the best coverage at the lowest rate.