The short answer
Age-related or mechanical breakdown is excluded on every standard US home policy. Damage from a covered peril (lightning, fire, falling object) IS covered. The gap is closed with an Equipment Breakdown endorsement ($30–$60/yr) that pays for compressor, motor, and control-board failure up to $50K–$100K.
Frequently asked
- What about a power surge?
- Standard policies cover surge damage to appliances if the surge came from off-premises. On-premises wiring surges need the endorsement.
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