Your home insurance in Colorado is designed to protect your structure and personal property in the event of a covered disaster. A standard policy protects against loss from fire, storms, theft and vandalism. However, homeowner’s insurance is not meant to cover repairs for appliance or system failures. These examples should help you understand your insurance policy.<\/p>\n
Fire and storms<\/b><\/p>\n
If your AC system was damaged due to a home fire, the repairs would likely be covered, subject to your deductible. If a storm damaged the outside portion of your AC unit, you would probably be covered. If storm damage to your roof creates a leak that damages your AC, this would also normally be covered.<\/p>\n
You must remember that if damage is caused by flood waters, you need a separate flood insurance policy. If you live in a flood prone area, you should consider adding this protection.<\/p>\n
Theft or vandalism<\/b><\/p>\n
Your home insurance policy should also cover your HVAC system if it is damaged because of theft or vandalism. Copper theft and outside unit theft can be a concern in some areas. However, if your air conditioning simply fails, the repairs are not included in your homeowner’s insurance.<\/p>\n
If you purchase a home and buy a home warranty policy, your AC system may be covered under that insurance. Home warranty policies cover different systems and appliances in your home. This coverage is designed to protect you from expensive failures during the warranty period. Policies normally require you to pay a set fee for repair or replacement of covered systems.<\/p>\n
Colling Insurance Services is your independent insurance agency, we will be happy to answer any questions you have regarding what your insurance policies cover. Let us help you get the right home insurance to meet your needs. Call us to talk with an independent agent today.<\/p>\n","protected":false},"excerpt":{"rendered":"
Your home insurance in Colorado is designed to protect your structure and personal property in the event of a covered disaster. A standard policy protects against loss from fire, storms, theft and vandalism. However, homeowner’s insurance is not meant to cover repairs for appliance or system failures. These examples should help you understand your insurance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-247","post","type-post","status-publish","format-standard","hentry","category-home-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t