Depending on where you live, it can be difficult to imagine life without air conditioning in your home. Check out the situations in which you may be able to use your home insurance to pay for a replacement if your AC unit goes belly-up. With close to 90 percent of U.S. households equipped with air conditioning units, having easy access to a cool breeze in summer is a way of life for most people. If your built-in AC unit (as opposed to a window unit) is broken or destroyed, there are times when having homeowners insurance can help, particularly when Mother Nature (think snow or ice) is to blame. However, if the problem stems from a maintenance issue or normal wear-and-tear, your policy typically won't cover repair or replacement costs. It's important to note that since window-based air conditioning units are generally considered personal property — while built-in AC systems are considered to be part of the home's structure — certain homeowners insurance coverages (and the perils they cover) are different.

It's always a wise idea to read through your specific policy or speak to a licensed agent to see what's covered under your individual plan. Is your AC system covered? Get a fast, free quote today. Winter tends to take a toll on everything, including your air conditioner. Because your homeowners insurance covers frozen and burst pipes, your policy could pay to get your air conditioning unit back in tip-top shape for the summer months as soon as possible. It's a humid, late-summer day, and a huge storm is rolling through. You're not worried though because you're inside your refreshingly cool house watching TV. That is, until you hear a thunderous crash, and investigate to find that a tree has fallen on your AC unit. Don't worry though — you might be a little warm for a couple of days, but because your policy covers falling objects, your homeowners insurance could pay to repair or replace your air conditioner. Wear-and-tear is just part of being a homeowner, so your policy doesn't cover a worn-out air conditioner.

If a fan breaks or the compressor blows out, it's up to you to get it fixed. Unless you can find your air conditioner a health insurance plan, the best way to avoid paying for wear-and-tear is by keeping it well-maintained over time. You're watching your kid playing in the backyard from the kitchen window when suddenly — no more cool, indoor airflow. You walk outside and there it is: a pen stuck in your AC unit. Unfortunately, your policy likely won't cover damage you or anyone on your policy does to your own property, so you'll have to pay to have your air conditioner repaired. Get protection for your home and belongings by getting a free home insurance quote from Esurance, or speak with one of our licensed agents — available 24/7. Plus, by opting for our eco upgrade coverage, if your air conditioner (or another appliance in your home) is damaged due to a covered incident, we'll help you upgrade to an ENERGY STAR qualified appliance. Water damage and mold

Learn which type of damage is covered under homeowners insurance and how to tackle both kinds of water-related disaster. These easy everyday tasks could help you save money and time around the house. Get your free quote online More about homeowners insurance Looking for another insurance product?car air conditioning repair sarasotaEvery Problem has a Solutioncar air conditioning repair chesterfield Check yours and change if visibly dirtymcquay ac unit Basset Heating & Air Conditioning of Colorado Springs specializes in residential air conditioner installation and replacement. Need a heating solution for your home? Our team provides the highest level of quality in furnace installations and replacements.

Your indoor air quality is very important in terms of your family’s health and enjoyment inside of your Colorado Springs home. If your hot showers are becoming decidedly shorter and you have noticed a rusty color to the water, it is probably time to consider replacing that old water heater. Video Gallery Share This VideoThey came quickly, the technician was very professional and they gave me a fair price up-front before any work was done. I will use them again in the future if I need any plumbing work done in my home.I called after hours when my water heater flooded my basement. The technician was at my house within an hour and was able to fix my water heater that night. He even was able to get a restoration company to my house that same night to start cleaning the mess in the basement. The technician was very nice and the rate were surprisingly reasonable for an after hours call. During this last storn of out my furnace went out had called around to get a few different quotes, they were all outrageous and then I called Basset Plumbing and Heating and his prices were very reasonable compared to the others I had called for quotes.

He made it a point to get to me the same day that i called and even came early. Thank god he did because I have kids and it just got colder and colder outside. i will definitely use him again but I will also refer him to all of my friends and family . Oh and I need to also say that he was the nicest guy and cleaned up after himself, he made sure that he left no mess afterwards. Thank you again Paul Prentiss and Basset Plumbing and Heating.One of the few companies that actually responds after hours on a weekend. Service was prompt, professional and very reasonably priced. Its nice to know there is a heating company that really treats its customers like people. petent and honest--everything you want in a service technician! Basset Heating went above and beyond our expectations in the service call, and seemed to genuinely care that our heater was repaired to a high standard. We will recommend this company to our friends.Saved me over $1,000 from a competitor bid on a new air conditioning system.

Professionally installed and works wonderfully. Showed up on time as promised and issued the necessary permits so there weren't any surprises. Friendly and courteous service. Explained everything we needed to know about operating and maintaining our new AC as well as our existing furnace. Will definitely recommend to our friends and neighbors.Very professional and courteous. Helped explain how my heater worked and gave me tips on how to maintain it. Was reasonably priced and did a fantastic job. I would recommend to all my friends and would definitely use them again.Basset Heating and Air was able to repair my system after I was Mislead by another company into believing I would have to replace the entire system at a very substantial cost. I literally saved thousands of dollars by getting a second opinion and now my system works great! The repairman was honest, courteous and very friendly. I will definitely recommend them to my friends, family and neighbors. Fixed my AC this summer. Works better now than it has in years.

I am very happy with Basset Heating and Air. Was very nice and clean-cut.I had called three heating and air conditioning businesses before calling Basset about my error code 33 on my furnace. They all wanted to send a tech out and would not be for hours. At Basset, Mike had called me back within a half hour and talked me through steps to take. I had my furnace working within 15 minutes with no money out of pocket. Would recommend Basset Heating and Air Conditioning to anyone.Was able to get out earlier than quoted and showed me how to keep my furnace from having the same problem happen again. Way better than the competition!I was very pleased with their service - they came out within an hour of my call, provided info on how to solve the simple problem myself, and were very reasonably priced.  I will definitely use them again.I will only use Basset for my heating and cooling needs. It's nice to see that customer service is still a part of some businesses.1111111111111 We Service All Makes, Brands and Models