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Does home insurance cover a broken furnace?
Our furnace unexpectedly stopped working last night. It’s freezing, so I’d like to get it fixed as soon as possible. Will home insurance cover a broken furnace?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—being without heat is not fun! Depending on what caused the damage, your home insurance may cover your broken furnace.
HVAC, heating, and air conditioning systems have coverage under home insurance policies as long as a
covered peril
caused the damage. For example, if a snowstorm caused your pipes to freeze or a malfunction caused a sudden cracking or tearing within your furnace, your home insurance would cover the damage.
However, if the damage isn’t from a covered peril, you likely won’t have coverage. Additionally, most home insurance policies exclude damage from:
- Wear and tear
- Lack of care
- Neglect
- Maintenance issues
- Age
If a part malfunctioned in your furnace or something similar occurred, your home insurance wouldn’t cover you. In most instances, this damage would have coverage under a home warranty insurance policy or the appliance’s manufacturer warranty.
You’ll want to have someone take a look at your furnace as soon as possible to determine the cause of the problem and get you warmed back up! If it turns out a covered peril caused the damage, you can submit a claim to your insurance company, as long as the repairs exceed your deductible.
After fixing your furnace, it never hurts to take some time to ensure you’re getting the best rate for the coverage you need. If you want to save money on home, renters, or car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.
MORE: Home insurance terms you need to know
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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