Does a Home Warranty Cover HVAC?

Thermostat on a wall

Heating, Ventilation, and Air Conditioning (HVAC) systems are critical components in modern residential, commercial, and industrial buildings. They play a vital role in maintaining indoor comfort by regulating temperature, humidity, and air quality. HVAC systems ensure that environments are warm in the winter, cool in the summer, and well-ventilated throughout the year. This not only enhances occupant comfort but also contributes to health and productivity.

Advances in HVAC technology have led to more energy-efficient systems, reducing both operational costs and environmental impact. Whether installing a new system, upgrading an existing one, or performing routine maintenance, understanding the importance and functionality of HVAC systems is essential for optimal indoor climate control.

Home warranties covering HVAC systems provide homeowners with peace of mind by offering protection against unexpected repair and replacement costs. By investing in a home warranty, homeowners can mitigate the financial burden associated with maintaining and repairing HVAC systems, which are crucial for maintaining indoor comfort and air quality. This proactive approach not only safeguards against unforeseen expenses but also extends the lifespan of HVAC equipment through regular maintenance and timely repairs.


Do Home Warranties Cover HVAC Systems?

Home warranties generally cover HVAC systems, providing essential protection and financial relief for homeowners. This coverage ensures that in the event of a malfunction or breakdown, the homeowner can rely on the warranty to cover repair or replacement costs, reducing the financial burden and ensuring the home remains comfortable year-round. However, the extent of coverage and specific terms can vary between warranty providers, so it is important for homeowners to review their home warranty contracts carefully.

Home warranties typically cover a range of HVAC systems, ensuring comprehensive protection for homeowners. The specific systems often included in home warranty coverage are:

  • Central Air Conditioning Systems: Coverage for both ducted and ductless systems, including components like compressors, condensers, and evaporators.
  • Central Heating Systems: Including gas, electric, and oil furnaces, heat pumps, and baseboard heating units.
  • Ductwork: Repair or replacement of ducts that distribute heated or cooled air throughout the home.
  • Thermostats: Including both standard and programmable units, ensuring temperature control systems are functional.
  • Ventilation Systems: Coverage for attic fans, exhaust fans, and other ventilation components that maintain indoor air quality.
  • Heat Pumps: Including both ground and air source heat pumps that provide heating and cooling.
  • Mini-Split Systems: Ductless heating and cooling systems, including both indoor and outdoor units.

These components are essential for maintaining a comfortable living environment, and their coverage under a home warranty can provide significant financial relief and assurance to homeowners.

hot water coming out of shower

Warranty Types

Home warranties come in various types to suit different homeowner needs and property types. Here are the primary types of home warranties:

Basic Home Warranty:

  • Coverage: This typically covers major home systems (e.g., electrical, plumbing, heating, and cooling) and a few essential appliances (e.g., dishwashers, ovens).
  • Best For: Homeowners seeking protection for their home's core systems and major appliances.

Comprehensive Home Warranty:

  • Coverage: Offers more extensive coverage, including additional appliances (e.g., refrigerators, washers, dryers) and sometimes smaller systems (e.g., garage door openers, ceiling fans).
  • Best For: Homeowners wanting broader protection beyond just the essential systems and appliances.

Appliance-Only Warranty:

  • Coverage: Focuses solely on household appliances like refrigerators, dishwashers, washers, dryers, and ovens.
  • Best For: Homeowners who primarily want coverage for their home appliances.

Systems-Only Warranty:

  • Coverage: Covers only home systems, such as electrical, plumbing, heating, and air conditioning systems.
  • Best For: Homeowners more concerned with protecting their home's core systems rather than appliances.

New Construction Warranty:

  • Coverage: Specifically designed for newly built homes, often including coverage for structural defects as well as systems and appliances. These warranties may last longer, typically up to 10 years for structural issues.
  • Best For: Owners of new homes looking for extended protection.

Builder Warranty:

  • Coverage: Provided by the home builder, covering structural elements and major systems for a specified period after the home is built.
  • Best For: Buyers of newly constructed homes directly from builders.

Home Seller Warranty:

  • Coverage: Often purchased by home sellers to cover the home during the listing period, transferring to the buyer upon sale. It helps provide buyers with confidence in the home's condition.
  • Best For: Home sellers wanting to make their property more attractive to potential buyers.

Home Buyer Warranty:

  • Coverage: Purchased by home buyers to protect their investment post-purchase, typically covering systems and appliances for one year after closing.
  • Best For: New homeowners looking for initial coverage to safeguard against unforeseen repairs.

Customized Home Warranty:

  • Coverage: Allows homeowners to tailor their coverage to specific needs, choosing which systems and appliances to cover.
  • Best For: Homeowners with unique needs who want to ensure specific items are protected.

Understanding the different types of home warranties can help homeowners select the coverage that best meets their needs and provides peace of mind regarding potential home repairs and replacements.

Choice Home Warranty logo

Top Home Warranty Service

Choice Home Warranty offers comprehensive coverage for systems and appliances, with optional add-ons for additional items like pools, spas, and central vacuum systems. Choice Home Warranty is considered a top provider for HVAC coverage for several reasons:

  • Comprehensive Coverage: Choice Home Warranty offers extensive coverage for HVAC systems, including heating, ventilation, and air conditioning components. Their plans typically cover repairs or replacements of essential HVAC parts, ensuring homeowners are protected against unexpected breakdowns.
  • Flexible Plan Options: Choice Home Warranty provides a variety of plans that include HVAC coverage. Homeowners can choose from different levels of coverage to best suit their needs and budget. The flexibility allows for customization based on the specific HVAC systems in a home.
  • Affordable Pricing: The plans offered by Choice Home Warranty are competitively priced, making it an attractive option for homeowners looking for comprehensive HVAC coverage without breaking the bank. The combination of coverage and affordability makes it a popular choice.
  • 24/7 Customer Service: Choice Home Warranty offers round-the-clock customer service, ensuring that homeowners can request service at any time, day or night. This is particularly important for HVAC issues that may arise unexpectedly and need prompt attention.
  • Large Network of Technicians: Choice Home Warranty has a vast network of qualified and licensed technicians. This extensive network ensures that service requests are handled efficiently and by experienced professionals, providing peace of mind to homeowners.
  • Reputation and Reliability: Choice Home Warranty has built a strong reputation over the years for reliable service and customer satisfaction. Positive reviews and ratings from customers highlight their commitment to quality service and support.
  • Additional Perks: In addition to HVAC coverage, Choice Home Warranty often includes other benefits in their plans, such as coverage for major home appliances and systems, optional add-ons for enhanced coverage, and the ability to transfer the warranty to new homeowners if the house is sold.

Choice Home Warranty's comprehensive and flexible plans, affordable pricing, excellent customer service, and large network of technicians make it a top provider for HVAC coverage.

Other Home Warranty Providers

There are several reputable home warranty companies that offer different plans to cater to various homeowner needs. Some notable home warranty providers include:

  • American Home Shield (AHS): AHS offers a variety of plans covering systems, appliances, or a combination of both. They also provide customizable options to fit specific needs.
  • First American Home Warranty: First American offers basic and comprehensive plans covering systems and appliances, along with optional add-ons for additional items like well pumps, pool heaters, and more.
  • TotalProtect Home Warranty: TotalProtect provides a range of plans covering systems, appliances, or a combination, along with additional coverage options for items like roof leaks, water softeners, and more.
  • Select Home Warranty: Select Home Warranty offers customizable plans covering systems, appliances, or both, with optional add-ons for items like roof leaks, septic systems, and central vacuum units.
  • Liberty Home Guard: Liberty Home Guard provides various plans covering systems, appliances, or a combination, with additional options for coverage of items like roof leaks, pest control, and electronics protection.
  • Cinch Home Services: Cinch offers customizable plans covering systems, appliances, or both, with additional coverage options for items like water softeners, well pumps, and home electronics.

These are just a few examples of home warranty providers, and each company may offer different plan options, coverage levels, pricing, and terms. It's essential for homeowners to research and compare multiple providers to find the best home warranty plan for their specific needs and budget.


Home warranties offer valuable coverage for HVAC systems, providing homeowners with financial protection against unexpected repair or replacement costs. By investing in a home warranty plan that includes HVAC coverage, homeowners can enjoy peace of mind knowing that their heating, ventilation, and air conditioning systems are safeguarded. With the convenience of round-the-clock customer service and access to a network of qualified technicians, home warranties can help alleviate the financial burden of HVAC expenses and ensure that homes remain comfortable year-round.

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