As the temperature starts to climb in Illinois and Wisconsin, the last thing any homeowner wants is a mid-summer AC meltdown. At R Hobbs Insurance Agency, we believe that maintenance is the best policy—not just for your home’s comfort, but for your wallet too.
Watch our quick 21-second guide featuring Roy the Pug, and then dive into the details below to ensure your system is running at peak efficiency.
How_to_maintain_your_AC_unit_RHobbs by Chris Faggi1. The Filter Factor
Changing your air filter is the simplest yet most effective way to keep your unit healthy. A dirty filter restricts airflow, forcing your system to work harder and spiking your energy bills. For most homes, we recommend a swap every 90 days. However, if you have pets like Roy, you might want to check it every 60 days to keep those allergens at bay.
2. Give It Some Breathing Room
Your outdoor condenser unit needs clear space to exhaust heat properly. Over the spring, it’s easy for shrubs, tall grass, and debris to crowd the unit. Aim for at least 2 feet of clearance around the entire perimeter. This simple “clear-out” prevents the system from overheating and failing when you need it most.
3. The Level Check
Did you know that if your outdoor unit isn’t level, the compressor can fail prematurely? Over time, the concrete pad or ground beneath the unit can shift. Check your unit with a level once a year. If it’s significantly tilted, it can put a strain on the refrigerant lines, leading to costly leaks.
| Maintenance Task | Frequency | Goal |
| Change Air Filter | Every 90 Days | Improve airflow & efficiency |
| Clear Debris/Plants | Seasonally | Prevent overheating |
| Level the Unit | Annually | Protect the compressor |
Does Insurance Cover AC Failure?
This is a common question we get. Generally, standard homeowners insurance does not cover AC failure due to wear and tear or lack of maintenance.
However, many of our clients opt for an Equipment Breakdown Endorsement. This affordable add-on can help cover the cost of repairs or replacement for mechanical failures that aren’t typically covered by a standard policy.