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Does Homeowners Insurance Cover HVAC Units?

An HVAC unit is essential. It gives you comfort during the hot and chilly seasons. When the system breaks down, replacing it is costly. The good news is that homeowners insurance can help you cover the costs. There are times when the coverage won't help you. We take you through when insurance will assist you and when it won't.

When Homeowners Insurance Covers HVAC Units

Under the dwelling coverage, homeowners' insurance meets repairs and replacement costs. If hail damages your central air conditioning unit, the coverage will cover the costs. Your insurance counts the built-in unit as part of your home's structure or property.

The personal property coverage caters to damages when a tree falls on the HVAC unit. You need to understand the policy that you purchased. Other times, the insurance will cover costs from fires and explosions.

What the Insurance Doesn't Cover

Homeowners insurance doesn't cover costs that come with wear and tear. For example, if your HVAC unit breaks down from old age, the insurance won't assist you. It will be your responsibility to fix a frozen evaporator coil or a broken fan.

If you want the HVAC system to be in great condition, call for routine maintenance check. We can perform these at Harwich Port Heating and Cooling. Schedule tune-ups at least twice a year to reduce wear and tear. This way, you won't have to use money out of your pocket to pay for repairs.

Filing for HVAC Insurance Claim

For starters, you need to know if your insurer covers the damages, as we have explained above. If the damage cost more than the deductible, you qualify to file for a claim. We can help you check the damages and costs of replacement or repairs to file a claim.

Final Thoughts

Homeowners' insurance covers different costs according to the policy. If you aren't sure what it covers, contact your insurance agent to talk about the coverage.

The best way to avoid costly repairs is by contacting Harwich Port Heating and Cooling. We will maintain your HVAC system and keep it running year round. If you have any HVAC concerns, we are here for you.