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BMS Controls FAQ

Does Homeowners Insurance Cover Hvac?

Does Homeowners Insurance Cover Hvac?

Are you a homeowner who’s been wondering if your HVAC (heating, ventilation, and air conditioning) system is covered by your insurance policy? It’s an important question to ask because HVAC issues can be costly. Whether it’s a malfunctioning furnace in the dead of winter or a broken air conditioner during a heatwave, these are situations that nobody wants to deal with on their own dime. So, does homeowners insurance cover HVAC? Let’s dive into the details and find out!

What is homeowners insurance?

There is a lot of confusion over what homeowners insurance covers and doesn’t cover. Every state has their own rules and every insurance company has their own interpretation. The following is a list of some common things that homeowners insurance may or may not cover:
-Hvac systems
-Water damage from broken pipes
-Damage from hail, wind, or tornadoes
-Loss of income due to the insured’s home being off limits to them
-Claims involving substandard work performed by contractors

What is not covered by homeowners insurance?

Homeowners insurance does not typically cover HVAC. This is because the equipment is typically seen as an amenity and not a necessary part of your home’s structure. If you have specific questions about whether your homeowners policy covers HVAC, be sure to speak with your insurance representative.

What are the types of claims that can be made against a homeowner?

Homeowners insurance policies generally cover damage to your home, possessions, and personal injuries that you or a household member may suffer as a result of a covered peril. This can include damage caused by natural disasters such as an earthquake, flood, fire, or tornado. Coverage for your HVAC system is not typically included in most homeowners insurance policies. However, there are some exceptions. If your HVAC system is damaged as the result of a covered peril, your homeowners policy may provide coverage.

Your policy might also include specific exclusions for accidental damage, including damage caused by HVAC systems. To find out if your homeowners policy includes coverage for your HVAC system, contact your insurance company or consult with an expert.

How do I find out if my home is covered by homeowners insurance?

If you’re confused about whether your home is covered by homeowners insurance, you’re not alone. In many cases, coverage for your home’s heating, ventilation and air conditioning (HVAC) system is included under the policy. However, there are a few things to keep in mind if you want to know for sure.

The first thing to do is to contact your insurance company and ask about coverage for your HVAC system. They may be able to provide you with a policy letter or other documentation that confirms the coverage. If not, they’ll likely be able to give you a quote for the added protection.

Another option is to check with your state’s insurance department. Many states have online databases that list which homes are covered by homeowners insurance and which ones aren’t. This can help you determine whether your home is eligible for coverage.

If neither of these options works for you, then you may need to take matters into your own hands and get an estimate from a qualified contractor or technician regarding the cost of replacing or repairing your HVAC system.

What should I do if I find out that my home is not covered by homeowners insurance?

If you find out that your home is not covered by homeowners insurance, there are a few things you can do. You may be able to get a policy through the government, or from a private insurer.
If you have government coverage, the coverage may be limited. You may be able to get coverage for your home and contents, but not for your land.
Private insurers may have more flexible policies, and they will usually cover your home and contents. They may also cover your land if it is part of the structure of your home.


Homeowners insurance does cover HVAC in most cases, but there are some exclusions that vary from policy to policy. It is important to read the individual policy terms and conditions carefully in order to determine if your home is covered. If you have any questions about what your specific policy covers, don’t hesitate to contact your homeowners insurance carrier for more information.