HVAC Home Warranty Coverage

HVAC Home Warranty Coverage

Your HVAC system is one of your most important home systems, and a breakdown can be devastating. Thankfully, a home warranty plan from 2-10 Home Buyers Warranty (2-10 HBW) can help you stay warm in the winter and cool in the summer without breaking your budget.

Why purchase a home warranty plan for your HVAC system?

Your HVAC system is important, complex, and expensive to fix when it breaks down. It can also be hard to find a trustworthy technician during the dog days of summer, when demand for cooling system repairs spikes.

With a home warranty plan from 2-10 HBW, you get peace of mind that your HVAC system is in good hands.

We set you up with a local, high-quality contractor who can help you address breakdowns to your air conditioner, heat pump, furnace, and more.

Your home warranty from 2-10 HBW also helps you reduce the high out-of-pocket costs to address HVAC breakdowns, protecting your budget and comfort all at once!

What could you pay for an HVAC breakdown without a home warranty?

HVAC Home Warranty Coverage


Repair cost


Replacement cost


Repair and replacement costs based on 2-10 Home Buyers Warranty internal claims data and market data from our purchasing department.

Which parts of my HVAC system does a home warranty commonly cover?

Covered heating components*

  • One (1) centrally ducted gas or electric system
  • Thermostats – all types
  • Interior gas supply lines

Excluded heating components*
Steam, hydronic, hot water, geothermal, and other water-source systems (available with HVAC Surplus Options); glycol systems; high-velocity systems; coal- or wood-burning equipment; fireplaces; fuel oil lines; fuel oil or propane gas storage tanks; freestanding or portable heating units; flue venting; zone controlled and energy management systems; registers; grills; filters and ductwork. All Components of each aforementioned Item and/or system.

Covered cooling components*

  • One (1) centrally ducted refrigeration system and associated heat pump
  • Evaporative cooler (i.e., swamp cooler)
  • Thermostats – all types

Excluded cooling components*
Geothermal and other water-source systems; upgrades to maintain compatibility and/or compliance with SEER or refrigerant standards (available with HVAC Surplus Option); mini-split systems; high-velocity systems; any type of gas system; freestanding units; water towers; humidifiers; chillers; pre-coolers; condensate drain lines; refrigerant recovery and recharge; zone controlled and energy management systems; whole house fans; roof jacks; registers; grills; filters and ductwork. All Components of each aforementioned Item and/or system.

*Coverage and excluded components listed are shown as example coverage. Purchasing additional options may remove some exclusions. Refer to your Home Warranty Service Agreement for specific coverage details, exclusions, and dollar limits.

What’s wrong with my HVAC system?

Helpful hints and solutions for troubleshooting common HVAC system breakdowns.

To get the most out of your home warranty plan (and to save your Service Fee for the toughest-to-solve breakdowns), you’ll want to do routine maintenance!

To the right, we’ve included some troubleshooting tips for when your HVAC system breaks down. Please be careful! Your HVAC system is complex and may affect other home systems.

If you aren’t 100% confident in troubleshooting your HVAC system, don’t.

Fortunately, if you have active HVAC system coverage with 2-10 HBW, we can help! Just log in to your Homeowner Portal account at 2-10.com/homeowner or call customer service at 800.775.4736 to file a claim (after checking your service contract, of course).

Possible Cause
Possible Solution
No power to the heater  
Check and reset breaker
The blower belt is broken
Replace the belt
The pilot light is out (gas only)
Reset the pilot light
Possible Cause
Possible Solution
The filter is dirty
Replace the filter
The registers are dirty
Clean the registers
A register is closed
Check and open all registers
Blocked ductwork
Check and clear ductwork
Separated ductwork
Repair with duct tape
Duct damper position problem
Adjust room dampers
Blower belt is loose
Tighten blower belt
Possible Cause
Possible Solution
The filter is dirty 
Replace the filter
The ducts are dirty
Have the ducts professionally cleaned
Heat exchanger may be cracked or damaged
Call a qualified service provider
Possible Cause
Possible Solution
A pulley may be loose 
Check and tighten all pulley screws
Blower motor belt may be worn out
Replace the belt and adjust the tension
Blower motor bearings are dry
Oil the bearings
Possible Cause
Possible Solution
There is no power to the unit
Check and reset breaker
The condenser coil is dirty
Clean the condenser unit so air can freely circulate around the coil fins
The insulation has fallen off the feed lines
Replace the insulation
There is direct sun on the evaporator unit
Create shade for the unit
The filter is clogged or dirty
Clean or replace the filter
Possible Cause
Possible Solution
The drain hose from the condenser pan is clogged
Clear the hose so the water is able to flow freely

How can I make my HVAC system last longer?

Keeping up on maintenance helps increase the life span of your HVAC system.
 How can I make my HVAC System last longer?

The average HVAC system lasts 20 years*

HVAC maintenance tips

Furnace and heating system tips

  • Leave your house IMMEDIATELY and call your gas company if you smell gas.
  • Check your filters every month and replace as necessary.
  • Have your mechanical systems serviced annually.
  • Clean your ductwork before each heating season.
  • Call a licensed technician if you have a blower unit that’s making excessive noise.
  • Clean and dust your radiators and heating vents, and inspect your radiators for any signs of leakage.
  • Bleed air from your radiators annually.
  • Check the exhaust pipe on your gas furnace for any loose connections.

Air conditioner and cooling system tips

  • Have your system annually serviced before each air conditioning season.
  • Check your filters every month and replace as necessary.
  • Keep your outdoor condensing unit clean and free of debris.

*Average life span data from National Association of Home Builders/Bank of America Home Equity, Study of Life Expectancy of Home Components.

Protect your furnace with a home warranty today!

Protect your HVAC with a home warranty today!

If you’re ready to protect your home without breaking the bank, purchasing a home warranty from 2-10 HBW with HVAC system coverage is easy! Simply click the button below and fill out the form to receive your free, no-obligation quote.

Why choose a home warranty plan from 2-10 HBW?


41 years of the industry

Real Estate Pros

We've covered over
6 million homes


Over $430 million in claims paid