3 Thoughts on Does your average home owners insurance cover your air conditioner if lightning strikes it?
  1. Reply
    Ghost of Zeuz
    June 25, 2011 at 8:19 pm

    There is no such thing as an “average home owners insurance policy”. Either your policy covers it or it doesn’t. You need to read it.

    However, if the policy includes a title “All Risks”, then it very likely covers it.
    If the policy is an “HO-2” or an “HO-3” policy, then it very likely covers it.

  2. Reply
    June 25, 2011 at 8:23 pm

    Yes. Damage to the unit by lightening, IS covered under the standard HO3 form.

  3. Reply
    June 25, 2011 at 8:26 pm

    homeinsurance.awardspace.us – try this one. Got my home insurance from them. As I know they provide such a service.

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