Most home warranty companies offer coverage for HVAC systems, but it’s essential to note that not all plans include HVAC repairs. Each home warranty has specific exclusions for HVAC systems, so it’s crucial to carefully review the coverage terms before purchasing a plan.
While most home warranty companies provide plans with HVAC coverage, not every plan covers HVAC repairs. Plans that do cover HVAC systems tend to be more expensive due to the high costs associated with fixing or replacing an HVAC system. This means you may have to pay a higher monthly premium if you opt for a plan with HVAC coverage.
Some home warranty companies divide HVAC systems across multiple plans. For instance, American Home Shield includes heating and air conditioning systems in all of its plans, whereas First American Home Warranty only covers heating in its basic plan, requiring you to upgrade to the middle-tier plan for air conditioning coverage.
It’s important to note that most home warranties have exclusions, including certain types of HVAC systems. For example, a warranty might cover repairs for ducted central and installed wall air conditioning units but not window units. Additionally, coverage may vary for different components of an air conditioning unit.
Many home warranties cover the main components of permanent HVAC systems, such as refrigerant replacement. However, there may be exclusions for specific types of HVAC systems or components. Some warranties may also exclude coverage for mismatched HVAC systems or systems still under the manufacturer warranty.
When it comes to HVAC repairs, home warranties typically have coverage limits that vary depending on the provider. The coverage limit for HVAC systems can range from $2,000 to $6,500 per system. Some companies do not cap their coverage, but they may not cover the full cost of replacing your HVAC system.
Home warranties usually state that they will replace an HVAC system if it cannot be repaired. However, the replacement value may be depreciated based on the system’s age. Additionally, some warranties may exclude the cost of certain installation steps, such as crane services for roof-mounted systems.
Many home warranties require routine maintenance for HVAC systems, and some may deny a repair claim if proper maintenance is not performed. Some companies offer add-on services for annual or seasonal HVAC tune-ups to ensure system efficiency.
If you have an older HVAC unit, some home warranty companies claim to cover systems regardless of age. However, it’s essential to review the contract exclusions carefully to avoid denied claims for pre-existing issues with your HVAC unit.
Overall, home warranties can provide valuable coverage for HVAC systems, but it’s crucial to understand the terms and exclusions of your plan to ensure you get the protection you need.