Does a home warranty cover HVAC repair?

Check HVAC coverage to avoid costly surprises later

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HVAC systems provide comfort by keeping your home warm in the winter and cool in the summer. If your system isn’t heating or cooling properly or starts making strange noises, it might be time for repairs or a replacement. However, home warranty plans usually cover HVAC and may be able to help. Read on for some helpful tips on how to get the best coverage for your system.

Key insights

Many home warranty plans cover HVAC systems.

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Most home warranty contracts have exclusions.

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HVAC systems typically have coverage caps.

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What HVAC services does a home warranty cover?

Home warranties usually cover various appliances and systems, including HVAC. In these plans, home warranty companies cover the most common causes of breakdowns, such as leaks or worn-out parts.

Here are some other things covered by a home warranty:

  • Plenums
  • Leaks
  • Breaks
  • Registers
  • Grills
  • Thermostats
  • Wiring
  • Combustion chambers
  • Heat exchangers
  • Cooling or heat pump systems

Potential exclusions to HVAC home warranty coverage

Many home warranty plans have limitations and exclusions in their contracts, meaning the company won’t cover certain things. Most companies only cover damage due to normal wear and tear and exclude things like acts of God and cosmetic damage.

Here are some other items not usually covered by a home warranty:

  • Inaccessible ductwork
  • Dampers
  • Filters
  • Acts of God
  • Energy management systems
  • Geothermal piping
  • Preexisting conditions
  • Commercial units
  • Chillers and chiller components
  • Well pumps
  • Water lines
  • Cosmetic damage
  • Interconnecting refrigerant lines
  • Flues
  • Liners
  • Gas feed lines
  • Pressure regulators
  • Solar heating devices

Coverage caps

Usually, home warranties have coverage caps on HVAC systems, meaning the company will only cover parts and repairs up to a certain amount. If the costs of repairs exceed the limit, then you are responsible for the rest.

HVAC systems typically have a limit of $5,000 per claim. For example, if your system's repair cost was $5,350, you would have to pay the remaining $350.

What to do if your home warranty doesn’t cover HVAC repair

If your home warranty doesn’t cover your HVAC system, you can usually switch to a plan that does. Homeowners and builders insurance also usually cover HVAC systems. However, homeowners insurance will only cover your HVAC system if the damage is from a disaster.

Your system may even have a five or ten-year manufacturer warranty. Many HVAC systems come with a warranty on parts and equipment, so it might be worth double-checking your policy.

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    What does a home typically warranty cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    How long does an HVAC manufacturer warranty last?

    Most HVAC systems have a five- to 10-year manufacturer warranty. Some brands even provide a 15-year warranty for parts and repairs.

    How much does a new HVAC system cost?

    Depending on the brand and capacity, replacing your HVAC system can cost between $3,500 to $8,000.

    Bottom line

    Unexpected breakdowns in your HVAC system can leave you with an uncomfortable home and costly expenses. Replacing an HVAC system can cost anywhere from $5,000 to $34,000, and repairing it can cost anywhere from $100 to $1,200. However, having the best coverage with a home warranty plan can keep your system humming along for 15 to 25 years.

    Article sources
    ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
    1. PV Heating, Cooling & Plumbing, “What to Expect from an HVAC Warranty,” Accessed April 12, 2024.
    2. Porch, “Does a Home Warranty Cover HVAC?” Accessed April 12, 2024.
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