DOES HOMEOWNERS’ INSURANCE COVER HVAC? YOUR FINANCING OPTIONS

June 02, 2025

Your HVAC system keeps you comfortable throughout the year, whether the weather outside drops below freezing or the hot summer sun makes you break into a sweat just walking to the mailbox and back. Maintenance and repairs are essential to protect your home and family from the elements—but news that you might need a new HVAC system can be intimidating. How much will it cost?

Certain options might alleviate your burden. Does homeowners’ insurance cover HVAC? What about home warranties? What other financing options are there?

You’re determined to protect your family against the elements. Let’s talk about your options for saving the day with a new HVAC system when you’re concerned about rising costs.

Not sure what’s going on with your HVAC system? Call Brothers at 704-620-6252 for expert assistance in the Charlotte area.

WHEN HOMEOWNERS’ INSURANCE MAY COVER HVAC REPAIRS OR REPLACEMENT

This is going to be true throughout this entire article, but you’re going to want to carefully check your homeowners’ insurance policy or contact your insurance agency to discover the details of your policy and what it covers.

That being said, insurance coverage for the average HVAC repair or replacement tends to fit snugly into a few specific circumstances. Insurance is most likely to kick in when:

• It’s impacted by a covered disaster such as fire, lightning, or storm damage.

• It’s damaged in the course of a covered circumstance like theft or vandalism.

In these narrow situations, your ductwork may be covered as well, assuming it’s damaged in the same covered instance. It all comes down to the letter of your policy, so make sure you’re familiar with its conditions.

WHAT HOMEOWNERS’ INSURANCE USUALLY WON’T COVER

Given the narrow parameters for most insurers to cover costs related to your HVAC system, you can probably surmise that most circumstances won’t be covered. Depending on the policy, that includes repairs and installation necessitated by the following:

• Old age

• Regular maintenance

• Wear and tear

• Installation errors

• Issues due to lack of proper care

• Energy-efficient or performance upgrades

In situations like this, many homeowners turn to alternatives like home warranties.

No one likes to be on the hook for HVAC repairs, but Brothers offers quality work at a fair price. Schedule your service appointment today.

WHAT TO KNOW ABOUT HOME WARRANTIES AND HVAC COVERAGE

Does a home warranty cover HVAC repairs or replacement? Good question. But you’ll really have to take a good look at your agreement to find out. 

There isn’t a standard home warranty that we can point to and draw conclusions about. Different warranties cover different home elements and components at various price points, so it simply depends. 

There’s certainly a chance that your home warranty covers at least a portion of your HVAC expenses, such as the cost of thermostats, damaged ductwork, and certain mechanical components. You’re less likely to see coverage for routine maintenance. Damage from storms or other crises probably isn’t covered—but that’s why you have homeowners’ insurance.

If robust HVAC coverage is important to you, make that clear when you shop for a home warranty. You may be able to find a plan that meets your needs, although you can expect the price to increase with more comprehensive coverage options. Look for specifics like whether there’s a price cap for certain types of coverage. For example, it may cover a new furnace up to a certain dollar amount, but you would be responsible for the rest.

AVERAGE LIFESPAN OF A RESIDENTIAL HVAC SYSTEM

Although it varies depending on the type of setup you have, most residential HVAC systems last 15–20 years. Regular maintenance will generally prolong the life of your system and improve its performance. As your system reaches the end of its life, it typically struggles to be as efficient as it once was. Every HVAC unit eventually reaches the point where a replacement is the smart choice. 

Maintenance makes a huge difference. Charlotte area residents can purchase our Pro Service Plan for service discounts and regular preventative maintenance.

COST CONSIDERATIONS FOR NEW HVAC INSTALLATION

There’s no one-size-fits-all HVAC system—or, at least, there shouldn’t be. Your home has unique needs, and so a personalized quote is essential to make sure your new unit does its job for years to come. 

Factors that go into the final cost include:

• Type of HVAC system

• Efficiency rating

• Home size

• Installation difficulty

• Regional weather considerations

Contact Brothers at 704-620-6252 to discuss a custom quote for your home. We’re also happy to provide a second opinion if you’ve already received one offer.

EXPLORING YOUR HVAC FINANCING OPTIONS

What happens if you’re out of luck when it comes to homeowners’ insurance covering your HVAC needs? What if you don’t have a home warranty that helps out? Your HVAC system is crucial, so it’s time to look at your financing options. Consider the following:

• Home Equity Loans

• Pros: Low interest rates; long repayment periods

• Cons: Requires enough home equity; home is collateral

• Credit Cards

• Pros: Immediate access to funds; points or rewards

• Cons: High interest rates; can hurt credit utilization ratio

• Personal Loans

• Pros: Quick approval; home not at risk with default

• Cons: High interest rates; rates vary wildly

• HVAC Company Financing

• Pros: Easy application process; may include other perks

• Cons: Limited term flexibility

Discover financing options directly through Brothers. It only takes a few minutes to get started.

HOW TO SAVE WITH COUPONS, DISCOUNTS, AND SEASONAL OFFERS

Are you eligible for additional savings? It’s worth the time to find out. Brothers offers regular specials to Charlotte area residents; don’t make a decision without finding out if we can save you some money.

Certain eligible consumers may also find discounts through an HVAC company or the manufacturer. Veterans, military personnel, seniors, and first-time homeowners may qualify for special discounts. You might also find state or federal tax incentives, especially for energy-efficient units.

WHY CHARLOTTE HOMEOWNERS TRUST BROTHERS FOR HVAC SOLUTIONS

For customers serviced by our Charlotte area locations, Brothers is a proven and trustworthy choice for HVAC maintenance, repairs, and installation. We stand for quality, integrity, and accessible financing options to secure our reputation in the area.

We have over 30 years of experience meeting the HVAC and plumbing needs of over 100,000 satisfied customers. Reach out to us at 704-620-6252 so we can help you solve your HVAC issue and protect your home.