Does Homeowners Insurance Cover Air Conditioner Leaks? 
A leaking air conditioner may only be covered by homeowners insurance in the following 2 circumstances : 1 . If the air conditioning unit 's leak was caused by a covered peril -LRB- i.e. fire , vandalism , wind etc. . . -RRB- 2 . If the homeowners insurance policy has an Equipment Breakdown -LRB- home warranty -RRB- Endorsement affording coverage for the air conditioning system . Most carriers do not offer the equipment breakdown endorsement on a homeowners policy but it is worth asking your local agent or broker if one is available . 