{"id":1268,"date":"2022-08-10T22:54:00","date_gmt":"2022-08-10T22:54:00","guid":{"rendered":"http:\/\/www.prontoinsurance.com\/blog\/?p=1268"},"modified":"2022-08-10T22:54:00","modified_gmt":"2022-08-10T22:54:00","slug":"does-homeowners-insurance-cover-hvac","status":"publish","type":"post","link":"https:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/","title":{"rendered":"Does Homeowners Insurance Cover HVAC? Here\u2019s What to Know"},"content":{"rendered":"<h1><span style=\"font-weight: 400;\">Does Home Insurance Cover HVAC?<\/span><\/h1>\n<p><span style=\"font-weight: 400;\">Your house should be a place of peace, relaxation, and ease. It&#8217;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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Does <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/4-things-to-take-into-consideration-before-buying-a-house-in-california\/\"><span style=\"font-weight: 400;\">home insurance<\/span><\/a><span style=\"font-weight: 400;\"> 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 <\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/product\/home-insurance\"><span style=\"font-weight: 400;\">Texas and California homeowners insuranc<\/span><\/a><span style=\"font-weight: 400;\">e experts, we&#8217;re here to answer all of your questions!<\/span><\/p>\n<p><b>Table of Contents<\/b><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">What Are the Main Things Home Insurance Covers?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">When Does Home Insurance Cover HVAC Units?<\/span><\/li>\n<li><span style=\"font-weight: 400;\">How to File a Home Insurance Claim<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What Are the Main Things Home Insurance Covers?<\/span><\/h2>\n<p><a href=\"https:\/\/www.investopedia.com\/insurance\/homeowners-insurance-guide\/\"><span style=\"font-weight: 400;\">Investopedia tells us<\/span><\/a><span style=\"font-weight: 400;\"> that homeowners insurance policies cover any general type of destruction and damage to your home&#8217;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. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When Does Home Insurance Cover HVAC Units?<\/span><\/h3>\n<p><img loading=\"lazy\" class=\"alignnone size-medium wp-image-1270\" src=\"http:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Home-Insurance-Cover-HVAC-Units-300x198.jpg\" alt=\"Home Insurance Cover HVAC Units\" width=\"300\" height=\"198\" srcset=\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Home-Insurance-Cover-HVAC-Units-300x198.jpg 300w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Home-Insurance-Cover-HVAC-Units-768x507.jpg 768w, https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Home-Insurance-Cover-HVAC-Units.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">How does this apply to an air conditioning unit? Will your <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/how-does-homeowners-insurance-in-california-work\/\"><span style=\"font-weight: 400;\">homeowner&#8217;s insurance cover<\/span><\/a><span style=\"font-weight: 400;\"> your bills to repair or replace it? The good news is yes, in many cases it will.<\/span><\/p>\n<p><a href=\"https:\/\/www.usnews.com\/insurance\/homeowners-insurance\/how-does-homeowners-insurance-work\"><span style=\"font-weight: 400;\">Homeowners&#8217; insurance covers the cost to repair or even replace HVAC systems<\/span><\/a><span style=\"font-weight: 400;\"> when the damage is due to a covered peril or disaster. A standard homeowners insurance policy won&#8217;t cover an HVAC unit if the damage is due to general wear and tear, owner neglect, or simply old age.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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&#8217;t get yearly maintenance, they would not cover damages. Even though it isn&#8217;t your fault, they also won&#8217;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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to File a Home Insurance Claim<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you feel your unit is damaged or broken and it is covered by your homeowner&#8217;s insurance policy, the next thing to do is to <\/span><a href=\"https:\/\/www.usnews.com\/insurance\/homeowners-insurance\/how-to-file-a-homeowners-insurance-claim\"><span style=\"font-weight: 400;\">file a claim<\/span><\/a><span style=\"font-weight: 400;\">. Pronto makes <\/span><a href=\"https:\/\/www.prontoinsurance.com\/blog\/1215-2\/\"><span style=\"font-weight: 400;\">filing a claim<\/span><\/a><span style=\"font-weight: 400;\"> easy to do on our app or on our website. Simply click the &#8220;<\/span><a href=\"https:\/\/www.prontoinsurance.com\/en\/claims\"><span style=\"font-weight: 400;\">File a Claim<\/span><\/a><span style=\"font-weight: 400;\">&#8221; icon at the top of this screen to begin.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Does home insurance cover HVAC? Many times, yes! This type of personal property coverage isn&#8217;t a luxury; it&#8217;s a necessity. If you&#8217;re unsure whether you&#8217;re covered or whether you have sufficient coverage, contact Pronto Insurance.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Does Home Insurance Cover HVAC? Your house should be a place of peace, relaxation, and ease. It&#8217;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 &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Does Homeowners Insurance Cover HVAC? Here\u2019s What to Know&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1269,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[26],"tags":[32],"jetpack_featured_media_url":"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Does-Home-Insurance-Cover-HVAC.jpg","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Does Homeowners Insurance Cover HVAC? Here\u2019s What to Know - PRONTO Blog<\/title>\n<meta name=\"description\" content=\"Does home insurance cover HVAC repairs and replacement? We&#039;ll answer this question, plus how to file a claim to get your ac unit back up and running quickly.\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<meta name=\"googlebot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta name=\"bingbot\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/\",\"name\":\"PRONTO Blog\",\"description\":\"It&#039;s our name and our promise.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/www.prontoinsurance.com\/blog\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.prontoinsurance.com\/blog\/wp-content\/uploads\/2022\/08\/Does-Home-Insurance-Cover-HVAC.jpg\",\"width\":1000,\"height\":667,\"caption\":\"Does Home Insurance Cover HVAC?\"},{\"@type\":\"WebPage\",\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/#webpage\",\"url\":\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/\",\"name\":\"Does Homeowners Insurance Cover HVAC? Here\\u2019s What to Know - PRONTO Blog\",\"isPartOf\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/#primaryimage\"},\"datePublished\":\"2022-08-10T22:54:00+00:00\",\"dateModified\":\"2022-08-10T22:54:00+00:00\",\"author\":{\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\"},\"description\":\"Does home insurance cover HVAC repairs and replacement? We'll answer this question, plus how to file a claim to get your ac unit back up and running quickly.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"http:\/\/www.prontoinsurance.com\/blog\/does-homeowners-insurance-cover-hvac\/\"]}]},{\"@type\":[\"Person\"],\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#\/schema\/person\/090429501a955cfc4a99853e60d7342a\",\"name\":\"Tony Soares\",\"image\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.prontoinsurance.com\/blog\/#personlogo\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1d7382dbcef64316e36596e07e931f5c?s=96&d=blank&r=g\",\"caption\":\"Tony Soares\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1268"}],"collection":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=1268"}],"version-history":[{"count":1,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1268\/revisions"}],"predecessor-version":[{"id":1271,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/1268\/revisions\/1271"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media\/1269"}],"wp:attachment":[{"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=1268"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=1268"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.prontoinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=1268"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}