Do Home Warranties Cover HVAC

Do Home Warranties Cover HVAC?

Where insurance or home warranties give you peace of mind, the sudden thought about your HVAC system can definitely make you fret. 

The wear and tear of your HVAC unit are absolutely common; therefore, getting prior information and sources in hand can help you avoid consequences in the long run. 

Consequently, you start wondering if home warranties cover HVAC, right? And to answer your query, home warranties cover your HVAC units but with limitations, such as they might be paying for repairs and not for the replacement of the whole unit. 

Let’s dig in to find out what parts of your HVAC system are covered by your home warranty. But before that, let’s cover some important insights. 

HVAC Home Warranty: A Quick Overview

An HVAC home warranty is a service contract that helps to keep your heating, ventilation, and air conditioning (HVAC) system running smoothly. 

It typically covers repairs and replacements for a set period and can be a valuable resource for protecting your investment. 

In addition to covering repairs, an HVAC home warranty can also help to cover the cost of preventive maintenance, like annual tune-ups. 

Therefore, you can save on your energy bills by keeping your HVAC system operating at peak efficiency.

If you need help determining whether an HVAC home warranty is right for you, speak with a qualified HVAC contractor to help you assess your needs and find a plan that fits your budget.

For your better understanding, we have divided the article into multiple sections to answer your common concerns regarding the coverage of old and new HVAC and Air conditioning units.

Manufacturer’s Warranty Vs Home Warranty 

A manufacturer’s warranty is a guarantee provided by the company that made the product. It covers defects in materials or workmanship for a certain period of time after purchase.A home warranty covers repairing or replacing appliances and systems in your home. They are usually purchased when you buy a home, and they typically last for one year and can be renewed

Do Home Warranties Cover Old HVAC? 

Do Home Warranties Cover HVAC

When buying a home, many people choose to purchase a home warranty to help cover the cost of repairs and replacements. 

While the specifics of each contract may vary, most home warranty companies will cover items such as HVAC units, plumbing systems, and major appliances. 

In general, home warranties are designed to cover items that are still within their normal lifespan. 

However, some companies may offer coverage for older items but not cover an HVAC unit that is more than ten years old or reached the end of its life span. 

As a result, it’s important to read the fine print of your contract before assuming that your old HVAC unit will be covered. 

Doing your research ahead of time can help ensure you get the coverage you need. (However, you can check various contractors to help you get an HVAC home warranty).  

Checklist to an Old HVAC Unit 

Most HVAC systems have a lifespan of around 15-20 years. After this point, the system’s efficiency declines, and repairs become more frequent. 

As a result, you might replace your old HVAC system with a new one after it reaches this age. 

However, a few factors can affect the lifespan of an HVAC system, such as how often it is used and how well it is maintained and lasts longer than others. 

If you’re still not sure whether your HVAC system will be covered in the home warranty, it’s best to consult with your respective HVAC contractor.

They will be able to assess the condition of your system and make a recommendation based on their findings.

Home Warranty Coverage for Your Old HVAC Unit 

When your old HVAC system breaks down, not only will you have to pay for repairs, but you may also have to replace the entire system. 

Replacing an HVAC system is a major investment, and it’s important to weigh your options before deciding. Consequently, let’s see how home warranties cover your old HVAC system. 

  • If your old HVAC system is beyond repair, your home warranty might replace it with a new system or cover the dues for the replacement of various HVAC parts. 
  • If your old HVAC is repairable, your home warranty will cover all the costs required to repair it, including the technician’s pay.  

Does Home Warranty Cover New HVAC? 

Do Home Warranties Cover HVAC

The answer is yes, but there are a few things you need to know. First, most home warranties will only cover the cost of labor and parts, not the cost of installation. 

Second, most home warranties have a deductible, so you’ll need to check that while considering whether or not to purchase a warranty. 

Finally, read the fine print on your warranty to see what’s included and excluded. 

By understanding these things, you can decide whether an HVAC home warranty is worth it. 

Cost of New HVAC System 

When it comes to home heating and cooling, an HVAC system is a wise investment. Not only will it improve the comfort of your home, but it can also help to save money on energy bills. 

You will have to consider the size of your home, the type of system you choose, and the contractor you choose when determining the cost of a new HVAC system. 

In general, the cost of a new HVAC system ranges from $3,000 to $10,000. While this may seem like a lot of money upfront, it is important to remember that an HVAC system is a long-term investment. 

An HVAC system can last for 15 years or more with proper maintenance. Compared to the monthly energy bills, the cost of a new HVAC system is quickly offset. 

Does Home Warranty Cover Air Conditioners? 

Home warranty coverage varies by company, but many home warranties will cover repairs or replacements for installed air conditioners. 

In some cases, home warranty companies will also offer coverage for air conditioners that are not permanently installed in the home. 

However, it is important to check the specific terms and conditions of your home warranty to see what is and is not covered. 

Some home warranty companies may have age or usage limits on air conditioners or exclude coverage for certain types of damage (like leaks).

Home Warranty Coverage for Your Air Conditioner 

Most home warranties will cover the cost of repairs for your central air conditioning unit. Some warranty companies may also cover window units, portable air conditioners, and mini-split systems.

Depending on the company, there may be an additional fee for optional coverage. For example, you can add coverage for your air conditioner’s ductwork or outdoor condenser unit. 

However, there are a few exceptions to the AC coverage. 

  • One common exclusion is damage caused by lack of maintenance. For instance, if your air conditioner breaks down due to a dirty filter or low refrigerant levels, you will likely be responsible for the repairs. 
  • Many home warranties will not cover ductwork, so if your air conditioner cannot deliver cool air due to a problem with the ducts, you may be on your own. 
  • Lastly, home warranties often do not cover surface problems, such as a scratched condenser unit. 

While a home warranty can provide valuable protection for your air conditioning system, it’s also important to understand the limitations of your coverage.

Limitations in Getting HVAC Home Warranty Coverage 

Do Home Warranties Cover HVAC

Home warranties can be a great way to protect yourself from expensive repair bills, but it’s important to understand that there are limits to what is covered. 

Most warranties specifically exclude coverage for pre-existing conditions, so if you’re buying an HVAC system already needing repairs, you’ll likely have to pay for them out of pocket. 

In addition, most warranties will only cover items that are considered under “normal wear and tear.” 

If you damage your HVAC unit through negligence or misuse, you probably won’t be able to get it repaired or replaced under the terms of the warranty. 

Also, home warranties limit the amount they will pay out per claim, so if the repair cost exceeds this amount, you’ll be responsible for paying the difference.

Thus, by understanding the limitations of your home warranty, you can avoid unwelcome surprises down the road.

FAQs: Quick Solution to Your HVAC Home Warranty Queries

Are furnaces covered under a home warranty?

Most home warranties cover all features of your furnace or heating system, including ductwork, forced air, and so on. 

Does the home warranty cover HVAC cleaning?

No, a home warranty does not usually cover HVAC cleaning. These services are typically considered maintenance, which is generally not included in the coverage of most home warranties. 

However, some companies may offer specific add-on plans that provide HVAC cleaning coverage, so you should always read the terms and conditions of your plan. 

Final Thoughts 

By the end of our discussion on “do home warranties cover HVAC replacement and repairs,” we hope you have a hand full of information to get your home warranty. 

The only thing you need to keep in consideration is to check all the coverage details and limitations from your home warranty company to avoid paying extra charges. 

However, if you need any help regarding HVAC installation or replacement, you can drop your queries in the comment section or check SearchLocalPro to find licensed HVAC contractors.  

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