Answered! Is HVAC Repair Covered by a Home Warranty?

"Most components of an HVAC system are typically covered by a home warranty.
Home warranties are crafted to cover maintenance and repairs due to normal wear and tear and age-related failures of covered systems and appliances. They address what homeowners insurance policies do not, as homeowners insurance focuses on damage caused by accidents, weather, fire, or other external forces. The coverage of your warranty depends on the type you choose; most warranty companies offer policies covering appliances only, systems only (including electrical, plumbing, and HVAC), or combination policies covering both. If HVAC coverage is a priority, ensure you select a warranty package that includes it. Your policy will outline the covered components, which typically include central air conditioning units, heating systems, some wall heaters, and water heaters. The best HVAC home warranty also includes ductwork, pipes, and related components such as thermostats. However, portable appliances like window unit air conditioners are generally not covered by home warranties.
How does a home warranty cover HVAC repairs? To begin, you'll select and purchase the warranty, typically for a one-year term with an annual premium. Be sure to review the contract: Some warranties may include routine checkups or maintenance, even if there are no apparent issues. If your policy covers this, schedule a checkup promptly. Often, minor issues can be identified during these routine inspections and addressed before they escalate.
If your HVAC malfunctions or fails to function properly, contact your warranty company by phone or through their online portal to file a claim. The company will either dispatch a technician to assess the situation or allow you to choose a contractor. You'll be responsible for a flat service visit charge (specified in your contract and non-negotiable), and the technician will diagnose and repair the issue, all covered by the service visit charge."