Home warranties are designed to cover the maintenance and repair of normal faults related to wear and tear on covered systems and appliances. In other words, they cover what home insurance policies don't cover, since home insurance focuses on repairing damage caused by accidents, weather, fires, or other external forces. The systems that the warranty will cover depend on the type of warranty you choose; most warranty companies offer policies that cover only appliances (including kitchen and laundry appliances), only systems (including whole-house systems, such as electrical, plumbing and HVAC), or combined policies that cover both. If you anticipate the need to cover your HVAC system, you'll want to make sure you select a warranty package that includes it.
Your policy will specify which components are covered. HVAC warranties generally include central air conditioning units, heating systems, some wall heaters, and water heaters. The best home warranty for HVAC will also cover ducts and pipes, along with the components that run the systems, such as thermostats. Home warranties generally don't cover portable appliances, so if you're looking for air conditioning insurance for your windows, the warranty won't include them.
In certain circumstances, yes, a home warranty can replace your air conditioner. However, replacement isn't the first course of action for home guarantees. Let's look at the process behind how a home warranty protects your air conditioning unit. A home warranty may cover an older HVAC unit.
It can even cover the entire air conditioning system. If you have a problem with your older HVAC unit or see signs of a fault in the HVAC system and you are covered by Select, file a claim. With an older HVAC system, seasonal changes may cause you to consider how long your HVAC system will keep you comfortable in your home.