Does a Home Warranty Cover Your Home’s HVAC?

A picture of a man in jeans and a flannel with a work apron over the flannel. he's wearing gray gloves and holding a toolbox with a yellow top in his right hand, In his left hand is an air conditioner coolant gauge. You can only see his legs and part of his torso.

In many cases, a home warranty can cover your home’s heating, ventilation, and air conditioning (HVAC) system. But why might you need a home warranty, and how does it protect this critical system? This article will give you a better understanding of how having a home warranty plan can help cover your home’s HVAC system against routine wear and tear.

What does an HVAC system do?

Your home’s HVAC system is what keeps your home warm during the colder months and cool during the summer months. It also helps you regulate your home’s air quality. Without a properly functioning HVAC system, you might find it hard to regulate the temperature of your home. With proper maintenance, you can keep your HVAC system running well for years.

Unfortunately, nearly every homeowner experiences issues with their HVAC system from time to time, even with proper maintenance. In fact, the average homeowner tends to make claims on HVAC systems more than any other system or appliance. When your HVAC breaks down, a repair or replacement can easily become a major expense. However, a home warranty from a trustworthy home warranty company, like 2-10 Home Buyers Warranty (2-10 HBW), can help offset these expenses.

What is a home warranty and what can it cover?

A home warranty is a protection plan that can cover many of your home’s systems and appliances against routine wear and tear. No system or appliance lasts forever, even if you maintain it perfectly. It’s often impossible to predict when a system or appliance will break down. And when a home system or appliance breaks down, it can cost you a lot of money to address it.

Warranty coverage can reduce the money you spend addressing routine breakdowns to your systems and appliances. It’s different from an extended warranty in that it can cover more than just one item.

Warranty coverage typically covers the following:

  • HVAC system, including your air conditioning unit
  • Your plumbing, electrical system, and water heater
  • Major household appliances like your refrigerator, oven, and dishwasher

You can also add additional options, such as for a spa or certain roof leaks. But in terms of HVAC systems, a home warranty plan from 2-10 HBW will often cover routine breakdowns up to the clearly stated dollar limits within your Home Warranty Service Agreement. That can mean upfront savings for you.

What does a home warranty plan cover on an HVAC system?

Your HVAC unit is complex, but a home warranty from 2-10 HBW covers many of its components. Let’s look at some of the most important (and expensive to repair or replace) components a home warranty often covers. While this list isn’t exhaustive, it can give you a good idea for what’s covered.

Air conditioning units

A home warranty plan from 2-10 HBW can cover many kinds of air conditioning units. Here are some of the common air conditioning systems that a home warranty can cover:

  • Centrally ducted systems
  • Geothermal systems
  • Water-source systems
  • Evaporative (swamp) coolers
  • Built-in electrical wall units

2-10 HBW also offers refrigerant recharge and recovery for many air conditioning units.

Heating and ventilation

When your heating and ventilation break down, it can create poor air quality or put your life in danger. But warranty coverage from a home warranty company like 2-10 HBW can cover the following systems and components that make your heating and ventilation run smoothly.

  • Centrally ducted gas, electric, oil, and gravity heating systems
  • Steam, hydronic, or hot-water heating systems
  • Geothermal and water-source systems
  • All types of thermostats
  • Ductwork (collapsed ductwork not included)

When a home warranty may not cover your HVAC system

Though a home warranty from 2-10 HBW can cover your HVAC system comprehensibly, it isn’t all-inclusive. For example, if your air conditioning unit were to break down because of poor maintenance, your home warranty would not cover that breakdown. As a responsible homeowner, you must commit to maintenance. Likewise, if your furnace broke down before you had home warranty coverage, your home warranty plan would not apply retroactively.

Another common misconception is that a home warranty will cover breakdowns caused by things like weather. If your air conditioner were damaged by a falling tree branch during a storm, your home warranty would not cover it. Instead, you’d need to file a claim with your homeowners insurance provider. A home warranty protects against breakdowns caused by routine wear and tear. Homeowners insurance may protect against weather-related damage.

How to make sure your home warranty covers your HVAC system

There are a couple of ways for you to find out whether your home warranty covers your HVAC system.

  1. Check your Service Agreement. One of the many great things about a home warranty from 2-10 HBW is that the Service Agreement is straightforward. It tells you what’s covered, what isn’t, and what your dollar limits are. When in doubt, check your Service Agreement out.
  2. Contact customer support. As a leading warranty company, 2-10 HBW’s customer support team can help you determine what’s covered and what isn’t as well.

When to contact your home warranty company for a problem with your HVAC system

In general, you should always review your Service Agreement when your HVAC system breaks down. Your Service Agreement can tell you whether contacting 2-10 HBW is your best course of action. Here are a few examples of when you should (and shouldn’t) contact 2-10 HBW.

  • Do contact if your furnace is only blowing cool or cold air.
  • Don’t contact if your furnace won’t work because the furnace switch is in the off
  • Do contact if your air conditioner doesn’t blow cool air, despite maintenance.
  • Don’t contact if your air conditioner stops working because it’s clogged with grass clippings.
  • Do contact if your thermostat registers an incorrect temperature (e.g., it says 70° but you can see your breath).
  • Don’t contact if your thermostat’s batteries are low or dead.

Again, if your HVAC system breaks down because of something weather related, call your insurance company. They may be able to help you.

How to maintain your HVAC system

Always remember to commit to regular HVAC maintenance. This includes cleaning your filters and keeping your air conditioning unit free of debris, or calling an HVAC technician for yearly maintenance if necessary. Without proper maintenance, your home warranty plan’s coverage may not apply.

This doesn’t mean you need to become an HVAC expert, though. In addition to the tips that Service Contractors recommend, here are a few steps you can take to maintain your HVAC system. Just remember—when in doubt, call a professional! HVAC systems are complex and sometimes dangerous.

Clean your HVAC system as much as you can

Depending on how accessible your system’s parts are, you should try to clean the condenser coils and ductwork regularly so dirt and grime don’t build up. Dirty ductwork or condenser coils can cause your HVAC system to run inefficiently and eventually break down.

Replace your filters as much as necessary

The rule of thumb is to replace your HVAC’s filters at least once every three months. However, depending on the filters you use and other factors, such as pets, you may need to change your filters more frequently. Consider checking your filters once a month, and don’t be afraid to swap them out if they look dirty. Clean air filters mean better, cleaner airflow. Additionally, replacing your filters is a clear indicator that you are properly maintaining your HVAC.

Listen to your HVAC system

Regular use will tell you how your HVAC system should normally sound. If your HVAC system starts to make weird noises, such as grinding, rattling, or ticking, then it could be a sign that a component is not working properly.

2-10 HBW offers the most comprehensive home warranty coverage for homeowners. Let us help you protect your home.

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