Does Homeowners Insurance Cover HVAC? AC Units, Furnaces & Heat Pumps
Reading Time: 5 minutesHVAC Coverage at a Glance Sudden damage from a covered peril: Yes — fire, lightning, windstorm, vandalism Normal wear and tear: No — never covered by homeowners insurance Mechanical breakdown: No — requires separate equipment breakdown coverage Flood damage to HVAC: No — requires separate flood insurance Average HVAC replacement cost: $5,000–$12,500 — worth understanding […]