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Does Homeowners Insurance Cover HVAC Replacements?


If your home’s HVAC system unexpectedly breaks down beyond repair, you might wonder if your homeowners insurance covers replacing it. The answer depends on whether your system expires due to an accident, normal wear and tear, or a catastrophic event like a fire.

When Does Homeowners Insurance Cover HVAC Replacement?

Most homeowners policies cover HVAC systems that are damaged as a result of a covered risk or disaster, such as:

  • High winds
  • Fallen trees
  • Hail
  • Fire and smoke
  • Lightning
  • Power surges
  • Theft

Which policy section provides coverage depends on the type of unit damaged. Central heating and air conditioning systems are covered under dwelling insurance. If you have one or more window AC units that are damaged, they typically count as personal belongings and would be protected under personal property insurance.

When Does Homeowners Insurance Not Cover HVAC Units?

Standard homeowners insurance policies generally do not cover normal wear and tear, maintenance issues, and mechanical breakdowns due to improper installation or poor quality equipment. You also won’t be covered for damage caused by flooding or rodent and pest damage.

Options for Financing a Replacement HVAC System

A new HVAC system is a significant investment. To save themselves from having to come up with a lot of money all at once for a new unit, some homeowners purchase equipment breakdown coverage or a home warranty policy for appliances like HVAC units, refrigerators, and computers. Others choose to finance it in one of several ways:

  1. A home equity loan or line of credit
  2. A personal loan
  3. Credit card

Another option is contractor or retailer financing. Blanton’s Air, Plumbing & Electric understands that most HVAC system breakdowns are unexpected, and having to immediately replace it can put a serious strain on your budget. To help ease the burden, we offer our customers convenient equipment financing for under $90 per month on approved credit, so you receive the home comfort equipment you need when you need it.

You might also want to look into home energy incentives from local, state, and federal governments or rebates from the HVAC manufacturer. And if you’re 62 or older and low-income, the U.S. Department of Agriculture provides grants and low-interest loans to fund various home improvements, including air conditioning and heating.

HVAC Replacement in Raleigh-Durham and Fayetteville, NC

When it’s time to replace your home’s HVAC system, it’s essential to hire HVAC professionals who ensure:

  • You avoid any costly installation mistakes.
  • Expert advice on the type and size of system your home needs.
  • Your new unit is installed as quickly and efficiently as possible.

With over 65 years of experience in replacing HVAC systems in Raleigh-Durham and Fayetteville, NC, Blanton’s knows how to deliver the “wow” heating and cooling services you expect and deserve.

Contact us online to schedule a service appointment with one of our certified service professionals.

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