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Does home insurance cover HVAC replacement?
This year I replaced my home’s HVAC system, which cost a few grand. I would like to think my investment is protected. Does my home insurance policy cover HVAC replacement if it breaks down?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
That’s a big home project, and I bet the HVAC system is in pristine condition! Your
home insurance
policy can help cover a replacement for your HVAC system if the damage was caused by a named peril, which can be found in your home insurance policy documents. Generally, the list of perils covered by your home insurance will include fire, hail, falling objects, wind, and more. If your HVAC system was damaged by any of the perils listed in your home insurance policy documents, your insurance carrier should help you cover the costs of repair or replacement.
A standard homeowners insurance policy will not cover your HVAC system if it breaks down for any of the following reasons:
- Owner neglect
- Typical wear and tear
- Old age
- Earthquake damage
- Flood damage
You can save money in the long run by keeping up to date with regular maintenance at home. If you’re ready to save even more money, download the
Jerry
app to get new quotes from top carriers. Jerry can even help you bundle your home and auto insurance policies
for maximum savings. No hassle, just more savings and more money back in your pocket.View full answer
- 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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