Your home warranty covers your HVAC, including repairing or replacing your parts, giving you an economical way to protect your unit. 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. Whole home guarantees act like another insurance policy for your home. These policies cover the costs of repairing or replacing items that are generally not included in a regular home insurance policy, such as plumbing, appliances, electrical systems, and heating and cooling systems. As a homeowner, this type of coverage may seem like a great way to avoid being bogged down by large unexpected expenses.
With Cates Care, our home warranty option, you can rest assured that your home is in good hands and that you won't be fooled by shady home warranty companies that don't consider your interests. A home warranty may cover an older HVAC unit. It can even cover the entire air conditioning system.