Is copper theft a common exclusion?

Some carriers in high-theft ZIPs (Detroit, Memphis) exclude or sub-limit copper theft — read your endorsements.

AC unit gone from the side of your house?

Does Home Insurance Cover AC Unit Theft? (US)

Stolen outdoor AC condensers are covered under theft — but subject to deductible and often depreciation. Copper theft claims run $3K–$8K.

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The short answer

Theft of an outdoor AC / heat pump condenser is covered under the dwelling coverage (if hardwired) or other structures. Deductible applies. Settlement is usually ACV unless you have replacement cost — and a 10-year-old unit depreciates 60–80%. File a police report same day and photograph disconnected lines.

Frequently asked

Is copper theft a common exclusion?: Some carriers in high-theft ZIPs (Detroit, Memphis) exclude or sub-limit copper theft — read your endorsements.

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Stop guessing. Check your actual policy.

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