Does Home Warranty Cover HVAC systems?
As a homeowner, you've probably heard the term HVAC more times than you can count. However, there's a reason why it's mentioned so often when discussing the ins and outs of home ownership and maintenance. HVAC stands for heating, ventilation, and air conditioning. In fact, the term "HVAC" is used to describe the comfort system that heats and cools your home while improving air quality.
For added clarity, an HVAC system normally includes furnaces, boilers, air conditioners, heat pumps and ductless mini-splits. While these systems can require considerable maintenance, they typically last 7-30 years. Factors that affect the lifespan of HVAC systems include maintenance practices, installation procedures, improper usage and defective components.
Whether your HVAC is new or you purchased an older home with a system that's breaking down, a home warranty plan can give you peace of mind in the event your HVAC stops working and potentially help you save money along the way.
Do home warranties cover HVAC?
The answer is yes; home warranties can cover HVAC, but it depends on the terms of your plan. This is one of the many reasons why paying attention to the plan you select when choosing a home warranty company is essential.
Before we discuss the specifics of a warranty plan, let's define a home warranty.
A home warranty is a contract that provides coverage that helps with the costs of repairs and replacements and allows access to network service providers. To be considered for coverage, your appliances must have mechanical failure from normal wear and tear. Some home warranty companies offer plans that feature only a few home appliances and systems and some offer varying add-on warranty protection.
Most home warranty companies cover HVAC systems. However, some elements of the heating and cooling systems may not be included in your coverage and these will be outlined in your contract terms and conditions.
HVAC Repairs: Which parts are typically covered
Most home warranties cover the components of a central air conditioning system and a heating system, like forced air (gas, electric or oil), wall heaters and more. This is excellent news because having a home warranty plan can save yourself a lot of stress and aggravation while saving money. Imagine having a broken A/C system in the middle of summer. Instead of spending time on a strenuous DIY project to get some cool and comfort, you can contact your home warranty company and arrange for a service technician to visit your home and check out your A/C. Whether the issue is with your A/C, furnace or any other part of your HVAC, the technician will do their best to repair it as long as it's covered under your home warranty plan.
How much do HVAC repairs cost without a home warranty?
HVAC repair costs $100 to $600, averaging $350. Remember that the repair cost is usually determined by which part is needed to get your HVAC back up and running. While replacing some components can cost up to $2,000, parts for an A/C or furnace can cost well over $5,000.
What about HVAC replacement?
While a home warranty plan will replace an HVAC system, every step will be taken to repair it first. This is a good approach since a repair may be quicker than filing a claim and waiting for a replacement unit. If it's decided that your HVAC system is beyond repair, you'll quickly understand one of the reasons home warranty plans provide homeowners with added peace of mind. Do you know how much it costs to replace an A/C system?
HomeAdvisor says the average replacement cost for air-conditioning systems is $7,000, with a typical range of $5,000 to $10,000. Regardless of your financial situation, this is a lot of money to come up with unexpectedly.
What kind of things may not be covered?
When figuring out what is and isn't covered by a home warranty plan regarding your HVAC, you should distinguish between homeowners insurance and a home warranty. For example, structural damage or the loss of your property due to theft or accidental damage caused by floods or fires will be covered under your homeowners insurance rather than your home warranty plan.
It's important to note that you still bear some responsibility when purchasing a home warranty. You should maintain your appliances and home systems so any needed repairs aren't due to negligence. You will also have to contact your warranty company when issues arise to coordinate with a service provider and pay a nominal fee at the time of service.
How do you know if your home warranty plan covers HVAC?
Sometimes, getting the correct answers is as simple as asking questions. When you sign a contract with a home warranty company, you should be able to reach out to their customer service to get clarification on anything you need. Most home warranty companies are accessible via telephone, email or even an app with a chat feature. You can also carefully review the details of your home warranty plan. If you need a copy, don't hesitate to ask your home warranty company for one.
How much does a new HVAC system cost?
According to Modernize, a new HVAC costs $6,224 to a maximum average of $11,434, including installing a new central AC unit and gas furnace combo, along with the typical labor work needed to install the new unit(s). There's no way to predict when your air conditioning or heating system will suddenly stop working and these hefty costs can set you back. This is the significant benefit of having a home warranty plan. When your HVAC system breaks down, you'll know exactly who to call for help while avoiding major out-of-pocket expenses.
How can you find a home warranty plan that covers HVAC systems?
As home warranty plans become more popular, there are more options for homeowners to choose from. Like everything else, shopping around and comparing companies and plans is probably smart. To find a home warranty plan that covers HVAC systems, choose a proven, reputable company and just ask all of the right questions before committing to a contract.
When it comes to purchasing a home warranty plan, there are some things you should seek in a home warranty company:
- Experience: An experienced home warranty company will be able to show you a track record that you can lean on. Don't forget to read customer reviews for feedback.
- Options: Always try to find a home warranty company that offers various plans. This will allow you to stay within your budget and avoid paying for things you don't need.
- Industry-standard: The best home warranty companies will be accredited by the Better Business Bureau. Do your research to avoid making a mistake.
Related Article: How to Buy a Home Warranty That Fits Your Needs
Who installs HVAC systems?
Another benefit of having a home warranty plan is that you won't have to worry about installing an HVAC system. When you hire the right company, you'll have a network of qualified technicians to do the hard, complicated work for you. Typically, HVAC systems are installed by qualified HVAC technicians. While many DIY projects can be fun, this isn't usually one of them. Installing an HVAC system takes time and involves many intricacies. From turning off your circuit breaker to adding filters and ductwork, this can be a particularly complicated task.
What should you know about HVAC and manufacturer warranties?
When it comes to HVAC warranties, there are a few things you need to know. Let's start with the good news. You'll be thrilled that HVAC manufacturers or extended warranties are typically pretty good. Most manufacturers offer a 5-year or a 10-year warranty on an HVAC system.
Secondly, it's important to note that two kinds of HVAC manufacturer warranties exist.
- On the one hand, there's an equipment warranty. This kind of warranty covers failures and malfunctions. So if something stops working, you'll get the part replaced for free.
- On the other hand, there's a labor warranty commonly associated with HVAC systems. This warranty is provided by the company that installs your HVAC system. Proper installation allows your heating and cooling systems to function correctly for years.
When deciding what brand of HVAC system to go with, you'll discover that most major brands will offer a similar 5-10-year manufacturer warranty option. In some cases, registering your system could extend your warranty plan. So, make sure that your system is registered. This includes popular brands such as Trane, Rheem and Lennox.
How should you maintain your HVAC system?
According to a recent survey, only 30% of homeowners schedule preventative maintenance, a mere 27% regularly clean their outdoor condensing unit, and only 23% consistently check blades and belts. If you're not doing your part to take care of your HVAC, you may experience problems that shorten the lifespan of your units.
Here are some helpful maintenance tips:
- Hire a professional: No matter how much we try to do it ourselves, it's always best to get a professional tech in for maintenance.
- Change your filters: Changing your HVAC filters helps improve the air quality in your home. It also gets rid of dust and prevents allergens. Change filters every 30-45 days.
- Perform a visual inspection: Are there lights on that shouldn't be? Do you need new batteries for the thermostat? Does something look broken or out of place? A visual inspection of your HVAC systems can uncover potential issues that may be an easy fix.
- Keep the area clean: Sometimes, helping your HVAC system run properly is as simple as removing all of the old boxes and household items you have stacked around it. Your HVAC system is not a storage area. By eliminating clutter, you can prevent fire hazards, make maintenance more accessible and improve the appearance of your home as well.
- Maintain the right temperature: Regulating the temperature in your home goes a long way in maintaining a healthy HVAC system. We highly recommend installing a programmable thermostat. This will allow you to control when the system is running when you're not at home, saving energy and reducing wear and tear.
- Add a carbon monoxide detector: An HVAC system relies on a gas refrigerant. In the event of a leak, a carbon monoxide detector can be a lifesaver (literally).
Cinch Home Services offers home warranty plans that are affordable for any budget and can be tailored to fit your needs. We provide excellent customer service when you need to place a claim. Contact Cinch Home Services for your quote today!
"The product being offered is a service contract and is separate and distinct from any product or service warranty which may be provided by the home builder or manufacturer."
Other FAQs:
How long do HVAC systems last?
10-30 years typically with an average life expectancy of 20 years.
How much does a 2 zone HVAC system cost?
According to homeguide.com, the average cost is $1,700 to $4,500.
What is a heat pump HVAC?
A heat pump is a type of HVAC system that moves heat from one place to another using electricity.
How do you tell if your HVAC has a heat pump?
You can check the outdoor unit and look for a metal plate that should be labeled “heat pump." Otherwise, write down the model number and do some research online.
Do all HVAC systems have heat pumps?
No. Some have heat pumps and some have a conventional system.
What is a split system HVAC?
This is a heating or cooling system that has both indoor and outdoor units.
What is a mini split HVAC system?
Mini split systems are used in homes without existing ductwork. They are efficient because they only generate the amount of cooling that's needed.
What is static pressure in HVAC?
This is a term used to describe the resistance to airflow in HVAC units.
How to diagnose HVAC problems?
Complete a visual inspection of the HVAC unit or hire a professional to check it out.
How much do people charge to diagnose HVAC problems?
Usually between $75 and $200.
How do you clean HVAC coils?
Cleaning HVAC coils is a multi-step progress. Start by turning off your thermostat and circuit breaker to be safe. Next remove the access panel and find the coils. Use a soft brush to remove any dust and debris.
What are dampers in HVAC?
A plate that regulates airflow to specific areas of the home.
What is a Variable Refrigerant Flow (VRF) HVAC?
Variable Refrigerant Flow is a system that provides cooling and heating to multiple zones.
What is superheat in HVAC?
The amount of heat added to vapor above boiling point. This shows the amount of heat your Freon has gathered.
Where is my HVAC filter?
The filter is located inside the access panel between the return duct and the air handler.
What are the must have HVAC tools?
This list is an extensive one. Start with pliers, a hammer, a screwdriver and a flashlight.
What is a plenum HVAC?
A plenum is an air distribution box designed for forced-air systems on residential homes and commercial businesses. It is part of the ductwork, but far different than an air duct, as these important boxes handle air as it enters the ducts and helps to recirculate it within a system.
What is a sequencer HVAC?
The sequencer helps regulate the system and prevents overheating.
What is RTU in HVAC?
An RTU is a Rooftop Unit where all components are packaged on a roof.
Does HVAC use gas or electricity?
Both. Electric furnaces are more efficient.
Do I need a license to buy HVAC equipment?
No, you do not.