Will Homeowners Insurance Cover a Broken HVAC?

air conditioner installed in Wake Forest NCWhen your home's air conditioning unit starts to malfunction, many homeowners turn to their insurance policy to see if their HVAC system is covered. However, unless your unit has been damaged by flooding, fire, a falling tree, lightning strike, or vandalism, your homeowners policy doesn't provide coverage for the repairs. This leaves owners responsible for the repair costs to their unit. As a homeowner, you do have options that will allow you to protect your budget and cover your air conditioning unit and other major appliances. If you need a new air conditioner installed in Wake Forest NC, be sure to call Choice HVAC. We'll help you beat the heat!

The age of your HVAC system is important to consider before you purchase additional insurance. Providing regular repairs to a unit that is over ten years old can end up costing you more money in the long run. The average lifespan of an air conditioning unit is around 12 years. If your unit is nearing the end of its life, ask your Choice Heating and Air Conditioning representative about replacing your old unit with an Energy Star rated system from one of today's best home comfort brands. Many manufacturers offer extended warranties, and attractive rebate and incentive offers with their new systems. See how much you could be saving!

Here's what you need to know about protecting your HVAC unit and your budget:

  • Home Warranty - Many homeowners don't realize that they can buy a home warranty for their home, regardless of their home's age. These warranties require a monthly premium and a service call fee for a provider to come and inspect your unit but, generally, major repairs and replacements of your system are covered. This is an excellent way to protect your budget and cover major systems in your home like HVAC, plumbing and electrical.
  • Major Appliance Insurance - Your homeowners insurance carrier may offer a major appliance insurance policy in addition to your regular homeowners coverage. Many people don't know to ask for this plan through their carrier.
  • Manufacturer's Warranty - Many manufacturers offer extended warranty coverage for their units. Selecting a unit with a longer warranty from the manufacturer is a great way to avoid paying for additional coverage, especially if your savings took a hit to put a new unit in or you're making finance payments.

Further protect your wallet from expensive HVAC repairs by keeping your system in good working order. Regular maintenance and cleaning of your unit can identify potential problems before they become costly to repair. Ask your Choice Heating and Air representative about our planned maintenance programs which cover having HVAC units cleaned and inspected twice a year. These programs also include discounted services, covered parts, and preferred status service calls.

Changing your air filters is an inexpensive way to ensure that your HVAC unit is functioning properly and can prevent damage from occurring to your unit. Choice Heating and Air Conditioning recommends changing the air filters in your home every 4 to 6 weeks depending on the air quality in your home. Pet owners may want to check and change their air filters more often because pet hair and dander may clog the filters rapidly.

Get A New Air Conditioner Installed In Wake Forest NC With Choice HVAC

If you see increases on your power bill, your old HVAC system could be to blame. Don't spend the hottest month of the summer overpaying for your cooling. Call Choice Heating and Air of Wake Forest and let our professional staff evaluate your home comfort system and show you how much you could be saving with a new air conditioner installed in Wake Forest NC and programmable thermostats!

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