Homeowners routinely report that keeping their house comfortable and operational year-round is an ongoing task that seemingly never ends.
From leaky roofs to temperamental appliances, something always needs maintenance or repair. But perhaps no home system requires as much attentive care as your heating, ventilation, and air conditioning (HVAC) equipment.
Your HVAC system works tirelessly behind the scenes to maintain indoor environment conditions through scorching summers and frigid winters.
Before long, failures pop up, requiring pricey, expert diagnosis and repairs. Even a minor issue, such as a faulty thermostat, can leave your home sweltering or frigid until fixed.
Savings get drained rapidly, fixing flawed HVAC equipment, leaving many homeowners in the cold when additional issues surface.
What do these companies provide when it comes to home warranty coverage for your AC?
Knowledge is power when determining if a home warranty makes sense, securing your cooling, heating, and ventilation equipment against unpredictable repairs.
What is a Home Warranty?
Quite simply, a home warranty is a service contract that protects appliances, systems, and parts, like plumbing, electrical, and HVAC (heating, ventilation, and air conditioning).
If covered equipment fails due to normal wear and tear, the home warranty provider will pay for approved repair and replacement services by their network of contractors.
Homeowners can save thousands of dollars with this!
Home warranties differ from homeowners insurance in an important way. While insurance covers damage from disasters and accidents, warranties handle predictable breakdowns from everyday use. Monthly fees provide peace of mind against expensive HVAC repairs.
Central AC Unit and Components
When it comes to keeping cool, home warranties typically cover the main central air conditioning unit and components.
This includes the compressor, coils, capacitors, condenser fan motor, thermostat, and refrigerant lines. AC maintenance is still critical for coverage, so review plan guidelines.
Basic coverage for electrical and ductwork repairs may also apply.
Furnace Coverage
Similarly, home warranty plans often protect against furnace and heating system breakdowns. Covered components can include heat exchangers, burners, igniters, blower motors and more. Some home warranty companies even offer enhanced coverage for boiler systems and smart thermostats.
Coverage Exclusions
While HVAC protection is fairly comprehensive, home warranties have limits.
Pre-existing conditions normally aren’t covered, emphasizing the need for home inspections and regular maintenance.
Additionally, lack of proper maintenance may void claims. Optional coverage upgrades are available through most providers if enhanced protection is desired.
The Claims Process
When an HVAC breakdown strikes, simply open a claim through your home warranty provider’s 24/7 customer service line.
Provide details about the issue and general information about your HVAC system.
The warranty company will arrange diagnostics and dispatch an approved technician in their network to handle covered repairs. There may be small trade call fees depending on your plan.
Peace of Mind for Home HVAC Systems
It’s often been said that a house is likely one of the biggest investments most people will ever make.
Home warranties provide assurance against expensive system and appliance breakdowns beyond your control. When it comes to staying comfortable through extreme weather, comprehensive HVAC coverage ensures your air conditioning and furnace are protected.
Review home warranty details regularly as plans, pricing and coverage options evolve over time.
Reach out with any questions before HVAC troubles hit. Stay cool with the added peace of mind a home warranty brings!
