CoverClaro / Coverage guide
Appliances & Systems
Understand how appliances & systems questions can depend on policy language, the cause of a loss, and the facts of your situation.
Quick guide to these questions
| Situation | Possible outcome | Why |
|---|---|---|
| AC and HVAC | It depends | Covered if lightning, fire, hail, or a fallen tree damaged it. Not if it simply wore out. |
| Home warranty vs. insurance | • Guide | |
| Power surge damage | It depends | Covered when lightning or another covered peril caused it. Proof decides the claim. |
Published guides
AC and HVAC? It depends
Home warranty vs. insurance• Guide
Power surge damage? It depends