When your heating or cooling system breaks down, comfort quickly turns into chaos, especially in the middle of a heatwave or cold snap. HVAC systems are among the most essential (and expensive) systems in any home, so it’s no surprise that one of the most common questions homeowners ask is: “Do home warranties cover HVAC systems?”
The short answer: Yes, most home protection plans, including those from Everything Breaks, do cover HVAC systems. But the real value goes far beyond just saying “yes.” What does that coverage look like, why does it matter to you, and how can it save you thousands on repair or replacement costs?
Why HVAC Issues Are a Big Deal
Your HVAC (Heating, Ventilation, and Air Conditioning) system is the heartbeat of your home’s climate control. It keeps you cool in the summer, warm in the winter, and safe year-round. But these systems are complex and expensive to repair or replace, and they work hard, often running daily throughout the year.
Common HVAC Issues Homeowners Face:
- Refrigerant Leaks: repair costs can range from $200 to $1,500 depending on the severity and type of refrigerant.
- Compressor Failure: a failed compressor often means replacing the outdoor unit — $1,500 to $3,000 or more.
- Blower Motor Issues: repairs average $400 to $700.
- Failed Capacitors, Thermostats, or Circuit Boards: Each of these components can cost $150 to $600 to repair or replace.
- Complete System Failure: replacing a furnace and A/C system together can cost $7,000 to $15,000, depending on system size and efficiency.
Without protection, you’re paying for these costs entirely out-of-pocket.
What Does a Home Warranty Cover When It Comes to HVAC?
A home protection plan from Everything Breaks is designed to step in when your major home systems fail, including your central heating and cooling systems.
Typically Covered HVAC Components Include:
- Central air conditioning systems
- Central heating systems (furnaces, boilers)
- Heat pumps
- Thermostats (including smart models)
- Ductwork
- Compressors, coils, blower motors, and more
It’s important to note: coverage depends on the plan you select. But with Everything Breaks, you have options to fit your home’s setup and your budget. Our plans are flexible, affordable, and built to give you peace of mind.
Our Protection Plans Protect You
When your HVAC system fails, a home warranty saves you time, money, and stress in three major ways:
1. Financial Protection
With an affordable monthly payment, you’re protected against thousands of dollars in potential HVAC repairs or replacements. When a covered issue arises, you simply pay a service fee.
2. Access to Qualified Technicians
No more scrambling to find a trustworthy HVAC technician or worrying about inflated prices. We connect you with licensed, vetted service professionals to diagnose and repair your issue.
3. Faster Repairs, Less Downtime
When you’re without heat or air conditioning, every hour matters. Our streamlined claims process ensures you get help fast.
Is an HVAC Home Warranty Worth It?
No one ever plans for their HVAC system to break down. It happens suddenly, often at the worst possible time.
With a home protection plan from Everything Breaks:
- You’re protected from surprise costs.
- You don’t have to dip into savings or rack up credit card debt for repairs.
- You gain confidence that help is just a phone call away.
If your HVAC system is more than 8–10 years old, the chances of major repairs go up significantly. A home warranty acts as a financial buffer against those aging parts and costly surprises.
FAQs About HVAC and Home Warranties
Does a home warranty cover HVAC maintenance?
Generally, no. Routine maintenance like filter changes, seasonal tune-ups, or cleaning ducts isn’t covered. But taking care of your system does help prevent breakdowns and ensures warranty eligibility.
What if I have multiple heating or cooling systems?
If you have multiple HVAC units (common in larger homes), coverage can vary. Everything Breaks offers customizable plans, so be sure to check your agreement or talk with a rep to ensure all your units are protected.
Are window A/C units or portable heaters covered?
Typically, portable and window units are not covered under standard plans. Our focus is on central systems and built-in units, which represent the biggest financial risks.
Invest in Comfort Security, and Stability
A home protection plan from Everything Breaks isn’t just about fixing things when they go wrong. It’s about planning ahead, avoiding stress, and protecting your home’s most important systems.
Do home warranties cover HVAC systems? With Everything Breaks, the answer is yes, and then some. Get in touch with us today to talk about how to protect your home and your wallet.
