Does Homeowners Insurance Cover HVAC? Here’s What to Know


Does Home Insurance Cover HVAC?

Your house should be a place of peace, relaxation, and ease. It’s not a place to feel uncomfortable. You never want to be hot inside your own home. For this reason, your HVAC system either not working well or not working at all is a stressful experience. The last thing you need on top of this is knowing a huge bill is coming your way.

Does home insurance cover HVAC repairs and replacement? What kind of replacement costs can you expect? How do you make sure your insurance coverage eases the burden? As your Texas and California homeowners insurance experts, we’re here to answer all of your questions!

Table of Contents

  • What Are the Main Things Home Insurance Covers?
  • When Does Home Insurance Cover HVAC Units?
  • How to File a Home Insurance Claim

What Are the Main Things Home Insurance Covers?

Investopedia tells us that homeowners insurance policies cover any general type of destruction and damage to your home’s interior and exterior. In the event of damage to your home due to fire, hurricanes, lightning, vandalism, a fallen tree, or other covered disasters, your insurer will compensate you so your house can be repaired or even completely rebuilt. As well, insurance policies cover the loss or theft of your possessions and personal liability for harm to others.

When Does Home Insurance Cover HVAC Units?

Home Insurance Cover HVAC Units

How does this apply to an air conditioning unit? Will your homeowner’s insurance cover your bills to repair or replace it? The good news is yes, in many cases it will.

Homeowners’ insurance covers the cost to repair or even replace HVAC systems when the damage is due to a covered peril or disaster. A standard homeowners insurance policy won’t cover an HVAC unit if the damage is due to general wear and tear, owner neglect, or simply old age. 

If your HVAC unit stops working because a hurricane took out the external portion of it, this is covered by the insurance company. If a lightning strike causes a power surge and zaps the unit, this would be covered. If you need new central air because you never changed the filters and didn’t get yearly maintenance, they would not cover damages. Even though it isn’t your fault, they also won’t buy you a new HVAC when your unit reaches the end of its useful life and needs to be replaced with a new model.

What about water damage? This is a tricky one! Destruction from floods is not covered and requires a separate policy if you want that type of protection. 

Be sure to also check your home warranty if you feel your HVAC needs a replacement long before it should. There could be a manufacturer defect that is covered, outside of your insurance policy.

How to File a Home Insurance Claim

If you feel your unit is damaged or broken and it is covered by your homeowner’s insurance policy, the next thing to do is to file a claim. Pronto makes filing a claim easy to do on our app or on our website. Simply click the “File a Claim” icon at the top of this screen to begin.

Does home insurance cover HVAC? Many times, yes! This type of personal property coverage isn’t a luxury; it’s a necessity. If you’re unsure whether you’re covered or whether you have sufficient coverage, contact Pronto Insurance.

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