What is Covered Under Home Warranties and HVAC Coverage?

Home warranties and HVAC coverage are designed to protect you from costly repairs and replacements for major appliances in your home. Here's what you need to know about what's covered:

• Cleaning equipment, such as vacuums and ovens
• Refrigerators, dishwashers, and washing machines
• Air conditioners, heating systems, and water heaters
• Plumbing fixtures, including toilets and sinks

What About HVAC Coverage?

Homeowners' insurance policies typically don't cover the installation of new heating or cooling systems. However, some plans may include coverage for specific components, such as:

• Refrigerator coils and fans
• Water heater elements and tanks
• Ductwork and piping
• Air handling units, including furnace and air handler

How to Choose a Plan That's Right for You

When selecting a home warranty or HVAC coverage plan, consider the following factors:

1. Cost and premium
2. Purpose (heating and cooling, water heater, etc.)
3. Service area and provider network
4. Audits and claims processing time