Does Homeowner’s Insurance Cover HVAC?

What is Homeowner’s Insurance?

Like other types of insurance, a homeowner’s policy helps to cover the cost of unforeseen expenses from specific causes.. Most policies cover your dwelling, other structures (like garages or sheds), personal belongings, and liability payments to pay if you damage someone else’s property or someone gets injured on yours. Every policy is unique, so we encourage you to know the details of yours before signing on the dotted line.

What Does Homeowner’s Insurance Cover?

You can rely on homeowner’s insurance to pay for damage from covered perils, like fire or windstorms. Many policies also allow you to include personal items so you can receive compensation if they’ are stolen or damaged during a covered event. It’s important to note that your policy may not cover certain natural disasters, like floods or earthquakes.

Where does that leave your HVAC system? If your house catches fire and your HVAC system is damaged, your homeowner’s insurance covers its repair or replacement. If someone breaks into your home and damages your HVAC during the process, you can file a claim with your insurance company to cover the costs. Homeowner’s insurance doesn’t cover replacement due to general wear and tear over time or damage due to negligence, like a lack of regular service.

Ensuring Coverage for Your HVAC System

Since no one wants to deal with a scenario in which their insurance doesn’t cover their HVAC, maintaining it is the best way to protect your investment. These are the easiest ways to ensure the longevity of your HVAC system:

• Clean and change the filters regularly. Dirty, clogged filters make your system work harder to circulate air throughout your home, placing unnecessary stress on it.
• Keep your vents and registers clean and free of blockages. The same principle applies to filters; dirty vents introduce unwanted debris to the system.
• Schedule a service appointment with us at the beginning of warm weather and before you begin using your heat for the year. A tune-up ensures everything works properly and can nip minor problems in the bud before they become major issues.

HVAC Maintenance near Lexington, Kentucky

Don’t gamble on the fate of your HVAC system by waiting until it requires serious repair or replacement and hoping your insurance will helps. Call us at (859) 559-6409 to schedule a service appointment for your HVAC. Advantage Air HVAC has been serveding the area since 2007, and we’re your local go-to for residential, commercial, and geothermal heating & cooling services.

Advantage Air HVAC is in Lexington, Kentucky, and we’re happy to provide service to Versailles, Winchester, Frankfort, Georgetown, Paris, Wilmore, Nicholasville, and the surrounding area.