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If you live in a hot climate, air conditioning is almost a necessity. Air-conditioners allow you to be able to stay cool no matter what the weather is doing outside. Fortunately, there are some ways that you can get coverage for air-conditioning failure. Unfortunately, depending on how your air-conditioner fails, it won’t be covered in all cases. However, there are some things you can do to get some coverage.

Does my basic insurance cover air conditioning?

air conditioning

Unfortunately, basic insurance does not cover air conditioning. Basic insurance doesn’t cover much more than accident liability. For this reason, you’re going to need to add some things to your insurance policy to have coverage for your air-conditioner. Generally speaking, you have the option of adding collision or comprehensive insurance coverage to your insurance policy. Depending on what you add, you will be covered for different things.

Does comprehensive insurance coverage cover air conditioning?

Depending on how your air-conditioner becomes damaged, comprehensive insurance coverage might cover it. It is really difficult to be able to predict what will happen to your vehicle. Comprehensive insurance coverage will cover you for damages that occur when you aren’t driving. For example: if your car gets vandalized or sucked into a tornado, you will be covered by comprehensive insurance. The point of this coverage is not to specifically cover you against air-conditioning failures. However, if some kind of an accident occurs with your vehicle when you aren’t driving it causing air conditioning damage, you will be able to receive compensation.

Does collision insurance coverage cover air conditioning?

A collision causing your air-conditioner to fail will allow you to be able to make a claim for it. If you are not at fault for the collision, you may not even have to pay a higher insurance premium. However, if you are at fault, you’re likely going to be paying higher insurance premiums in the future. Air-conditioners are not cheap to fix as they do contain a lot of parts. It definitely takes some work to be able to repair an air-conditioner, no matter what the problem is. Collision insurance will ensure that if you get into an accident while driving and something happens to your air-conditioner, you will receive compensation.

What is mechanical breakdown insurance?


If you buy a new vehicle, you will likely have the option of picking up mechanical breakdown insurance. This insurance is sometimes available when you buy a used car off of the lot as well. Although this type of insurance still does not cover wear and tear damage, it does cover defects. If there are some parts of your air-conditioner that do not work as they are supposed to, you will be able to receive compensation. Generally, you don’t have long after purchasing your vehicle to be able to pick up this type of insurance. For this reason, it is important to consider the pros and cons of this insurance coverage before purchasing your vehicle.

How do I know what I am covered for?

The best way of being able to tell what you are covered for is to talk to your insurance provider. An insurance provider will share with you exactly what you have for coverage. The nice thing is, you can also get prices to add things onto your policy. You may also want to ask about your insurance deductible. The deductible is what you’re going to have to pay in order to be able to make a claim on your insurance. Depending on how much your air conditioning repair costs, it is a good idea to know what your deductible is. It isn’t always worth making a claim on your insurance, depending on what your deductible costs.

Can I receive compensation for failure due to wear and tear?

If the reason your air-conditioner failed is due to it being old, unfortunately, you will not be able to receive compensation. Insurance companies do not provide policies that cover vehicles against wear and tear. Insurance companies leave it up to their clients to maintain their vehicles in order to prevent things like this from happening. If it happens, you’re on the hook for the money that it takes to fix your vehicle. No one likes to pay for costly fixes, but if this is how your air conditioning failed, you will likely have to cover it yourself.

Will my car warranty cover air conditioning failure?

In many cases, a warranty will cover you against air conditioning failure. Air-conditioning is not something that fails very often, early in a vehicle’s lifespan. For this reason, you will find that many warranty policies do cover you against air-conditioning failure. If you are just buying a new vehicle, it is important to make sure that you read the fine print. It is in the fine print that you will find clauses that tell you exactly what is and isn’t covered. It is also in the fine print, that you will find the price per hour the company will pay mechanics for fixing the vehicle. Depending on the warranty, this number can vary a lot and it is definitely important for you to check it out.

How much does air-conditioning cost to repair?


The repair cost for an air-conditioning system varies a lot depending on the damage. If your air conditioning system just has something like a leak in it, you may only have to replace a small portion of it. However, you often have to rip things up in order to be able to find the problem. This means that you’re going to be paying more for labor in order to be able to fix the system. Generally speaking, you can expect to pay at least a few hundred dollars for an air conditioning repair. However, if you have a major problem with your air conditioning system, you can end up paying thousands of dollars. It is a good idea to get a quote if you are unsure as to what the cost is going to be to fix the unit.

To Conclude

Air conditioning is a luxury that most of us do not want to live without. If it has broken down on your vehicle, it is always a good idea to check to see if you can fix it through your insurance. Going through insurance is not always the best way to repair your vehicle, however, it is nice to know that insurance is there for you if you need it.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.