HVAC Coverage
One plan. Clear terms. Honest coverage details.
What May Be Covered
The following HVAC components may be covered under the Appliances & Systems Deluxe plan when breakdowns result from normal wear and tear, subject to contract terms, limits, and prior authorization.
- Central air conditioning (electric, up to 5 tons)
- Heat pump systems
- Gas or electric furnace
- Compressor and condenser
- Evaporator coil
- Heat exchanger
- Blower motor and fan
- Ignition system and burner
- Capacitors, contactors, and relays
- Standard (non-Wi-Fi) thermostat
What Is Not Covered
The following are excluded from coverage. Review your full contract for the complete exclusion list.
- Wi-Fi or smart thermostats
- Refrigerant and refrigerant leaks
- Air filters and filter replacement
- Drain pans and condensate lines
- Improperly sized or mismatched systems
- Portable or window units
- Ductwork (covered separately)
- Boiler (available as optional add-on)
- Pre-existing conditions or known defects
- Cosmetic damage, rust, or corrosion
Key Reminders
Service Fee
Service fee: up to $75 per claim (or actual cost of service, whichever is less), payable to the technician at the time of service. Per policy.
Coverage Schedule
Your coverage schedule and effective dates are detailed in your sample service agreement.
Prior Authorization
You must receive authorization before any repair work begins. Unauthorized repairs are not reimbursable.
Per-Item Caps
Individual dollar caps apply per covered system or appliance. Exact limits are published in your sample agreement.
This is a home service contract, not insurance. It provides repair and replacement coverage for covered systems and appliances that fail from normal wear and tear, subject to the terms, conditions, exclusions, and limits in your agreement. It does not cover sudden events, catastrophic damage, or liability. For those risks, maintain adequate homeowners insurance.
Up to $75 per claim · Coverage schedule per agreement · Sample agreement available