A broken HVAC system can be expensive to repair or replace, and having home insurance to fall back on can feel like a safety net. But will home insurance cover a broken HVAC? In this blog post, we’ll provide a detailed answer to this question, plus other useful facts you need to know.
What Does Home Insurance Cover?
First, it’s essential to understand what home insurance typically covers. Home insurance covers your home’s physical structure, personal property, liability in the event of an accident, and additional living expenses.
However, most standard home insurance policies do not cover all types of home repairs or replacements.
Home insurance typically doesn’t cover wear and tear, neglect, or routine maintenance. All these aspects are typically considered to be the homeowner’s responsibility.
Will Home Insurance Cover a Broken HVAC?
When it comes to a broken HVAC system, the answer will depend on what caused the damage.
If the damage is caused by a sudden, unexpected incident like an accident or natural disaster, your home insurance may cover it. However, if the damage is due to lack of maintenance, wear and tear, or neglect, it’s unlikely to be covered.
That’s why it’s essential to review your home insurance policy to understand what’s covered and not covered in your specific situation. While some policies may cover HVAC systems to an extent, others may not.
It’s a good idea to speak with your insurance agent to discuss your options and what’s included in your coverage.
Additionally, it’s also advisable to be proactive with HVAC maintenance. Not only will this keep you comfortable all year long, but will also help you save on repairs.
RF1 Insurance Services: Home Insurance in Southern California
Looking for home insurance you can rely on? At RF1 Insurance, we work with some of the world’s most trusted insurance companies, including Safeco, Guard, Stillwater, National General Premier, Aegis, and the California FAIR Plan.