Will a home warranty cover the cost of a central air conditioning unit?
Summary
A home warranty can sometimes cover repairs or replacement of a central air conditioning (AC) unit, but coverage depends on the specific plan and the cause of the failure. Home warranties usually cover normal wear and tear but often exclude damages from lack of maintenance, accidents, or pre-existing problems.Key Facts
- Many home warranty plans include central AC systems as standard or optional coverage.
- Warranties may pay to fix or replace parts like compressors or fan motors if they fail from normal use.
- Damages caused by poor maintenance, improper installation, or accidents usually are not covered.
- There are often limits on how much the warranty will pay for HVAC repairs or replacements.
- If an AC unit replacement costs more than the coverage limit, the homeowner pays the difference.
- Warranty companies might choose to repair rather than replace a system based on contract terms.
- Homeowners should carefully read warranty details before buying to understand coverage and costs.
- The value of a warranty depends on the age and condition of the HVAC system and if it already has a manufacturer’s warranty.
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