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.
Most homeowners policies cover HVAC systems that are damaged as a result of a covered risk or disaster, such as:
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.
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.
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:
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.
When it’s time to replace your home’s HVAC system, it’s essential to hire HVAC professionals who ensure:
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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We make the process easy in multiple ways but you can always expect the same, easy way when you work with us:
We don't schedule in those 4 hour windows - you won’t have to wait around for us.
We call you and give you updates. We provide a 30 minute heads up phone call.
When you book, you get a welcome email that shows your technician's photo and some of their recent customer reviews.
When your tech is dispatched, we provide a link where you can track them en route.
Ready for what’s next? Give us a call, schedule an appointment or fill out a form and we’ll take care of the rest!
