Your central air conditioner gets damaged by hail

One common covered cause of damage to central air conditioning units is hail damage. Dwelling coverage may help pay to repair or replace a built-in appliance like a central air conditioning unit damaged by hail. Window AC units would fall under personal property coverage and might not be covered. Contact your insurer if you are unsure what your policy covers.

A tree falls on your built-in air conditioning unit

Most standard homeowners insurance policies cover falling objects. Your insurer might help to pay for or replace an AC unit if a tree falls and damages it. A central air conditioning unit damaged by a falling tree would most likely be covered by your insurer. A window-unit might be covered if a falling tree damaged the AC unit and the exterior of the home. Ask your insurer to find out what your policy covers.