If you’re a homeowner, you probably understand the importance of having good homeowners insurance. This insurance policy provides coverage for unexpected damages or losses to your home and personal belongings. But what about your HVAC system? Is it covered under your homeowners insurance policy? Let’s dive into the details.

What is HVAC?

Before we get into whether or not your homeowners insurance covers your HVAC system, let’s define what HVAC is. HVAC stands for heating, ventilation, and air conditioning. It’s the system in your home that keeps the air at a comfortable temperature and circulates it throughout your home.

The HVAC system in your home is made up of several different components, including:

  • Furnace: The furnace is responsible for heating your home.
  • Air conditioner: The air conditioner cools your home during the warmer months.
  • Ductwork: The ductwork circulates the air throughout your home.
  • Thermostat: The thermostat is the control center for your HVAC system.
Three old air conditioner beside home

Does Homeowners Insurance Cover HVAC?

Now that we know what HVAC is, let’s get into whether or not it’s covered under your homeowners insurance policy. The short answer is that it depends on the type of damage that has occurred.

Most homeowners insurance policies cover damage to your HVAC system caused by “covered perils.” Covered perils are events that are specifically listed in your insurance policy as being covered. Some common covered perils include fire, lightning, windstorm, and theft.

If your HVAC system is damaged as a result of a covered peril, your homeowners insurance policy will likely cover the cost of repairs or replacement, up to the limit of your policy.

However, if the damage to your HVAC system is caused by something that isn’t listed as a covered peril in your policy, such as wear and tear or lack of maintenance, your homeowners insurance policy likely won’t cover the cost of repairs or replacement.

It’s important to note that even if your homeowners insurance policy covers the damage to your HVAC system, there may be limits on how much the insurance company will pay. You’ll need to check your policy to determine what your coverage limits are.

What types of HVAC damage are covered by homeowners insurance?

As we mentioned earlier, your homeowners insurance policy will typically cover damage to your HVAC system caused by covered perils. Let’s take a closer look at some of the types of damage that may be covered.

  • Fire
  • Lightning strike
  • Windstorms
  • Theft
  • Vandalism

What types of HVAC damage are not covered by homeowners insurance?

While homeowners insurance policies will cover damage to your HVAC system caused by covered perils, there are some types of damage that are not covered. Let’s take a look at a few of these.

  • Wear and tear: Over time, your HVAC system may experience wear and tear, which can lead to breakdowns or malfunctions. Homeowners insurance policies typically do not cover damage caused by wear and tear.
  • Lack of maintenance: It’s important to properly maintain your HVAC system to keep it running smoothly. If you neglect to maintain your HVAC system and it breaks down as a result, your homeowners insurance policy likely won’t cover the cost of repairs or replacement.
  • Floods: If your HVAC system is damaged as a result of a flood, your homeowners insurance policy will not cover the cost of repairs or replacement. You would need to purchase a separate flood insurance policy to cover flood damage.
  • Earthquakes: If your HVAC system is damaged as a result of an earthquake, your homeowners insurance policy will not cover the cost of repairs or replacement. You would need to purchase a separate earthquake insurance policy to cover earthquake damage.
  • Negligence: If you or someone in your household causes damage to your HVAC system due to negligence, such as accidentally dropping a heavy object on it, your homeowners insurance policy likely won’t cover the cost of repairs or replacement.

It’s important to note that every homeowners insurance policy is different, so it’s always a good idea to review your policy carefully to understand what is and isn’t covered.

What if my HVAC system needs to be replaced?

If your HVAC system needs to be replaced due to damage that is covered under your homeowners insurance policy, the insurance company will typically pay for the replacement cost, up to the limit of your policy. However, you may need to pay a deductible before the insurance company will cover the cost of replacement.

If your HVAC system needs to be replaced due to something that isn’t covered under your homeowners insurance policy, such as wear and tear, you’ll need to pay for the replacement yourself.

It’s important to note that if you need to replace your HVAC system, it’s a good idea to work with a licensed HVAC contractor who can help you choose the right system for your home and ensure that it’s installed properly.

How can I prevent damage to my HVAC system?

To prevent damage to your HVAC system, it’s important to properly maintain it. Here are a few tips:

  • Change your air filter regularly: Your HVAC system’s air filter helps keep dust and debris out of the system. Make sure to change it regularly to keep the system running smoothly.
  • Schedule regular maintenance: It’s a good idea to have a licensed HVAC contractor perform regular maintenance on your system to ensure that it’s running at peak efficiency.
  • Keep the area around your HVAC system clean and free of debris: Make sure to keep the area around your HVAC system clean and free of debris to prevent damage.
  • Install a surge protector: Installing a surge protector can help protect your HVAC system from power surges, which can cause damage.

Contact Sound Choice Insurance

In conclusion, whether or not your homeowners insurance policy covers your HVAC system depends on the type of damage that has occurred. If the damage is caused by a covered peril, such as a fire or theft, your policy should cover the cost of repairs or replacement, up to the limit of your policy. However, if the damage is caused by wear and tear or lack of maintenance, your policy likely won’t cover the cost of repairs or replacement. It’s important to review your policy carefully and properly maintain your HVAC system to prevent damage.

If you have any further questions about your homeowners insurance near the Morehead City, North Carolina area, give us a call at Sound Choice Insurance.  Our expert agents are here to support you in all of your insurance coverage needs so you can rest assured knowing you have the most valuable coverage for your lifestyle and budget.  We look forward to speaking with you soon.