What happens when your heating system breaks?

Key tips to remember

  • Heating system failures aren't just uncomfortable — they're expensive.
  • Finding a qualified service pro can be stressful
  • A home protection plan makes repairs easier and more affordable
Maintenance and Repairs

As the days become colder, you're likely to become more dependent on your home's heating system. On a chilly night, the last thing you want is for the system to break down, leaving you huddled in a coat or underneath a pile of blankets.

A problem with your heat is uncomfortable, both physically and financially. It can be really stressful, too. But it can be easier and less expensive with a home protection plan. Let's take a look at what happens in a heating breakdown when you don't have a plan, versus when you do.

When you don't have a home protection plan
Your heating system can fail for a number of reasons, in part because there are so many...well, parts.

According to Popular Mechanics, a heating system that relies on hot water typically involves a boiler, expansion tank, circulator, convector, radiant loop and return header. A system that works with forced hot air usually runs with a furnace, register, ducts and cold-air return. Problems with any of these parts can have disastrous results on your system.

Without a home protection plan, you'll be left to deal with these issues on your own — and those repairs won't come cheap. According to Home Advisor, furnace repairs can run as high as $800, and replacements will cost even more. If you have a heating system that's powered by an electric furnace, a new system could run you up to $1,700 — possibly higher, depending on the model. And on top of the costs, you'll have to deal with the time and stress that comes from figuring out the problem and finding a credible, qualified service epro to fix the issue.

When you have a Cinch home protection plan
With a plan from Cinch, you don't have to deal with the same problems and expenses when your heating system breaks. We know that systems never break down at a convenient time, so our claims website and 24/7 customer service hotline are ready to handle your issues anytime, day or night. When you have a problem, we'll send a licensed, qualified local technician to diagnose and resolve the problem, and the work is guaranteed for six months. You'll save time and money, and you'll rest easy knowing that your home is protected.

How to learn more about home protection plans
A good first step is to learn which appliances and systems in your home are covered under each type of policy (you can compare Cinch plans side-by-side here.) It also helps to familiarize yourself with home warranty terminology. Once you have an idea of what you want to cover, get a quote online. It's fast, free and there's no obligation.


The information in this article is intended to provide guidance on the proper maintenance and care of systems and appliances in the home. Not all of the topics mentioned are covered by our home warranty or maintenance plans. Please review your home warranty contract carefully to understand your coverage.