Do I need a CO alarm for the claim to be paid?

Not required for coverage, but insurers may investigate whether required alarms were installed under local code.

CO alarm went off?

Does Home Insurance Cover Carbon Monoxide Damage? (US)

Cleanup, contents, and medical payments for guests — usually yes. Cost of a new furnace — no. Depends on wording.

Your policy is the only source of truth

Get a precise answer for your exact policy

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription

The short answer

CO is treated like smoke damage on most HO-3 policies. Cleanup, temporary lodging (ALE), and MedPay for guests exposed are covered. The source appliance (furnace, water heater) is not covered — that's mechanical breakdown. If the CO leak triggered a fire, the fire coverage kicks in fully.

Frequently asked

Do I need a CO alarm for the claim to be paid?: Not required for coverage, but insurers may investigate whether required alarms were installed under local code.

Your policy is the only source of truth

Stop guessing. Check your actual policy.

Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.

Upload your policy$3 per analysis · $9 for all 4 tools · No subscription