insuring your home's HVAC system

Home Insurance and Your HVAC Coverage

Does my home insurance cover my HVAC system?

As a vital part of your home, it’s natural to assume that every facet of your HVAC system is covered under your homeowners insurance in Plano, Texas.  However, this isn’t necessarily the case.  While many components of your HVAC system are covered under your policy, there are also some coverage exclusions.  Here’s what your homeowners policy will and will not cover when it comes to your HVAC system.

Window AC Units

While central air conditioning systems are considered part of your home, window units typically fall under the category of personal property.  This means that your window AC unit will only have coverage for named perils and you may be subject to certain personal property coverage limits.

Damage Caused by AC Units

Air conditioners create water as they operate and, if they are not properly maintained, then this can result in water damage to your home and personal belongings.  Because this damage is considered a result of your negligence, it will not be covered under your homeowners insurance policy.

Damage Caused by Furnaces

If your furnace malfunctions and causes a fire in your home, then your home insurance would cover these damages because fires are covered perils.  However, the cost of replacing your furnace will not be covered.

This is what you need to know about your home’s HVAC system and your homeowners insurance in Plano, Texas.  Do you have further questions about your home insurance coverage?  If so, then contact the experts at Tri-Star Insurance/HUB International.  We are ready to assist you with all your insurance needs today.