Homeowners Insurance: Does It Cover HVAC Repairs?

• Cooper Brothers, Inc.
• 3 years ago
• Categories: HVAC
• Tags: HVAC repairs, HVAC replacement, insurance

Your HVAC unit regulates indoor temperatures and improves indoor air quality, making it an essential part of your home. However, there will come a time when it will break down and need to be repaired. Fortunately, with your homeowners insurance, you can cover the costs of most necessary HVAC repairs. 

In this post, Cooper Bros discusses when you can use your homeowners insurance for heating and cooling repairs.

Homeowners Insurance & HVAC Repairs

Certain types of HVAC repairs are generally covered by your homeowners insurance, but there are limitations that you should keep in mind. For instance, HVAC systems that break down due to old age or negligence will not be covered by homeowners insurance.

Here are some situations where your HVAC system typically will be covered by your homeowners insurance:

• Your central AC unit gets damaged by hail – Hail damage to the central AC unit is commonly covered under homeowners insurance. If the unit is built-in, dwelling coverage usually helps cover the costs incurred by the necessary repair or replacement. However, if you have a window AC unit, this would fall under personal property coverage and may not be covered by your homeowners insurance.

• A tree falls on your built-in AC unit – Homeowners insurance typically covers damage from objects that have accidentally fallen on certain parts of your property. In this case, if a tree falls on your AC unit, your insurer will probably cover the costs of repairing or replacing it. Window units may also be covered by your homeowners insurance if a falling tree has damaged it and the exterior of your home.

To be sure of what your policy covers, review its contents or talk to your insurance company.

If you need help with HVAC repairs, Cooper Bros can provide you with high-quality services. Backed by more than 20 years of experience in the industry, we can ensure excellent workmanship and an amazing experience for our clients. For inquiries, fill out our online form or call us at (408) 649-2008.