The invention provides an indoor unit foam installation structure and an air conditioner. The indoor unit foam installation structure comprises a shell and a first foam assembly, wherein the first foam assembly is arranged in the shell, a second foam assembly is installed on the rear side of the first foam assembly, and the front side of the second foam assembly abuts against the rear side of the first foam assembly. By arranging the first foam assembly, it is avoided that cold air blown out of an air outlet is directly blown to a top cover plate in a refrigeration state, and condensation on the top cover plate is prevented. By arranging the second foam assembly, it is avoided that evaporator fins scratch other parts, and it is also avoided that collision noise between an evaporator connecting pipe and the shell is caused by vibration in the use process of the air conditioner. As the front end of the second foam assembly abuts against the rear end of the first foam assembly, the rear side of the first foam assembly and the front end of the second foam assembly are limited and fixed, the stability of the whole foam installation structure is guaranteed, assembly dislocation between parts is avoided, and a fool-proof effect is achieved.