Want to know more about the best home warranty for heat pump coverage?
Good news, you have come to the right place!
In this ReviewHomeWarranties.com guide you’ll learn:
- Do you even need a home warranty for your heat pump system?
- What do home warranties for heat pumps actually cover?
- Will a home warranty cover you for any pre-existing conditions your heat pump system might have?
- Which are the best home warranty service providers with heat pump coverage?
- And Much More!
We’ve reviewed 68 different home warranty companies, and want to share with you our top picks for heat pump coverage specific to your state. Want to learn which company will protect your home and wallet? Continue reading!
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What's In This Guide?
A heating and air conditioning system is one of the most expensive features of any home. HVAC systems can cost thousands of dollars to install and a single service call to repair a heat pump can easily eat up a substantial portion of your paycheck.
However, like any home system, air conditioners and heating systems can break with little notice. Plus, if you don’t have the cash on hand to cover a costly repair or replacement of a home appliance like a heat pump, you could be in big financial trouble.
That’s why home warranty coverage is so important. But, with so many options, it can be hard to find the right home warranty company for your heat pump coverage.
Thankfully, we’ve conducted an extensive amount of research on the top home warranty providers so you don’t have to waste your time reading through the fine print. Up next, we’ll give you all the information you need to find the best home warranty contract for your heat pump.
Do Home Warranties Cover Heat Pump Replacement?
Every home warranty is different. But, for the most part, covered items under a home warranty include major appliances and home systems, like water heaters, plumbing systems, garbage disposals, sump pumps, and dishwashers.
The majority of these appliances won’t be covered by your homeowners insurance policy. So a home warranty contract is necessary if you want to protect yourself against unexpected expenses.
However, if you read through the basics of most home warranty contracts, you’ll probably find that they don’t explicitly mention heat pumps. But, this is just because most companies list heat pumps to be part of an HVAC or heating system.
The vast majority of home warranty companies will cover heat pump repair or replacement, since this appliance is considered to be part of an HVAC unit, just like a home’s ductwork. But, the actual terms and conditions of this replacement and how much the warranty covers is up to your individual warranty agreement.
Top 5 Best Home Warranties For Heat Pump Coverage
Is A Home Warranty Worth It For Heat Pumps?
If you’re new to the world of home warranties, you might be wondering if it’s worth getting one, just in case your heat pump breaks. The answer?
Since most home warranties will cover the cost of HVAC repairs, they are a good back-up if you don’t have the cash on hand to pay for heat pump expenses out of pocket. Here’s why a home warranty is worth the investment for a heat pump:
- Critical For Heating And Cooling. A heat pump is one of the most important parts of your home’s heating and cooling system. They are surprisingly complex systems that can break with little notice if they’re not cared for properly. You can learn all about heat pumps and how they are an integral component of your home from the HVAC (see below video).
- Costly To Replace. A new heat pump can easily cost upwards of $8,000, depending on the size of your house. This is a substantial cost that many homeowners can’t afford to pay out of the blue.
- Repairs Tend To Be Expensive. Most heat pump malfunctions will require an experienced HVAC professional service provider, which can leave you with a bill of up to $1,000 for a more complicated repair.
- Regular Maintenance Fees. Heat pumps require regular maintenance. One of the most costly parts of owning a heat pump is refilling your refrigerant tank with freon. In fact, freon can cost up to about $50 per pound. Since many heat pumps can hold up to 6-12 gallons of freon, a single fill-up can cost you up to $600.
What’re The Benefits of a Home Warranty For Heat Pump Coverage?
Having a home warranty that covers your heat pump can make a huge difference if you’re saddled with an unexpected and costly HVAC repair bill. These are some of the things that you can expect from a standard home warranty:
- Repair And Replacement Cost Coverage. Depending on the terms of your warranty and any add-ons, your contract may offer low-cost home repairs of your heat pump. This is particularly important if your heat pump is no longer covered by the manufacturer’s warranty. Often, you just need to pay a small service fee, and then any repairs or replacements will be covered up to the value listed on your policy.
- Trusted Service Providers. Generally, a good home warranty provider will also arrange for a local service contractor to come to your home. So, you don’t even need to go through the hassle of finding a repair company on your own. This is especially beneficial for first-time homebuyers who may not have a lot of experience vetting service professionals.
- Refrigerant Expense Support. Many warranties will cover some of the cost of refrigerant refills.
If we simply look at the cost of repairing or replacing a malfunctioning heat pump, it’s easy to see that a home warranty is well worth the monthly premium, should an issue arise. The convenience and security that warranties provide to homeowners can be really important if something as costly as a heat pump were to break.
Would A Home Warranty For Heat Pumps Cover Pre-Existing Conditions?
Unfortunately, most home warranties do not cover pre-existing conditions for home appliances and systems like a heat pump. This is true whether the issue is on something as simple as a garage door opener or as complex and costly as a septic system.
For this reason, it’s a good idea to get your home inspected before you purchase a home warranty policy. When you purchase real estate, an inspection is generally part of the new home buying process. However, if you’ve owned your home for a while, your house may have underlying issues that you don’t know about.
In this situation, getting an inspection will help you figure out precisely what will and will not be covered by a home warranty. If you don’t know about any issues in your home before you sign a warranty contract, you may end up having to pay for any potential repairs caused by pre-existing conditions.
How Soon Can You Use A Home Warranty For Heat Pumps After Purchase?
Every home warranty policy is different and has unique rules about how long you have to wait before your coverage is in effect. Most companies will require you to wait at least 30 days after enrolling before you can make your first claim.
This may seem a bit odd, but companies have this waiting period to prevent people from purposefully signing up for a policy right before they need a costly repair. However, many warranty providers will cover you immediately after enrolling if you already had a home warranty policy and you’re just switching companies. When in doubt, always as a company about their coverage conditions before signing your contract.
Best Home Warranty For Heat Pump?
Choice Home Warranty is our top pick for a heat pump on home insurance market. Choice offers coverage on all components and parts necessary for the operation of the heating system, including reservice for failed parts.
What To Look For When Picking The Best Home Warranty For Heat Pumps?
With so many different home warranties out there, it can be tricky to find the policy that’s best for your needs. Here are some of the most important things to look for when finding the right plan to cover your heat pump:
A warranty or insurance premium is how much you pay to the company in exchange for their coverage. This fee can vary widely based on the size of your home and where you live. Of course, a lower premium is better for your bank account, but these kinds of policies might not cover certain appliances in your home.
When you use your home warranty company to contact a service provider, you will often have to pay a small fee directly to the repair company, regardless of what the issue is. Depending on the company, this fee can be as low as $50 or as high as $100.
As we’ve mentioned, some home warranties require that you wait at least 30 days after enrolling before you are eligible for coverage. Sometimes, this waiting period is waived if you’re just switching to a new company. So, read your contract carefully to ensure you don’t have any gaps in coverage.
Even the best home warranty in the world will have some coverage exclusions. You can usually find a full list of excluded appliances and repairs in a company’s terms of coverage document, which you should read thoroughly before committing to a specific policy.
For heat pumps, you should check that your specific type of heat pump is covered by a company’s policy. Some providers will not cover geothermal or water heat pumps, so you should fully understand what you’re paying for before you sign up.
If your warranty company organizes repair services for you, you’ll want to learn more about the availability of their help center. While some companies have a 24/7 service center, others aren’t open at night or on the weekends.
Needless to say, if your heat pump were to fail on a Friday night in the middle of the winter, you’ll certainly want to get that fixed as soon as possible. So, it’s generally best to find a home warranty company that has a 24/7 service center that’s always available to help you in an emergency.
Top Home Warranties For Heat Pumps Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
FAQs for Heat Pump Home Warranties
Do home warranties cover heat pumps?
Does American Home Shield cover heat pumps?
Which home warranty offers the best heat pump coverage?
Home Warranty Providers
Choice Home Warranty
American Home Shield
Select Home Warranty
Liberty Home Guard
Cinch Home Services
How do I choose the best home warranty?
- Do the Research – Do what you are doing now, and take a look at what the best home warranty providers in your state cover. What are the different levels of coverage? What are the costs involved?
- Get Several Quotes – Don’t just go with the first company you discover. Find out what your top three or more choices are charging for premiums and service call fees, and compare that with the coverage they are promising.
- Due Diligence – Read the service agreement carefully before signing and making the first payment. Understand the terms and conditions of the coverage.
Is a home warranty for heat pumps worth it?
Our Top Pick For A Home Warranty On Heat Pumps
You have a lot of choices when it comes to a heat pump home warranty. After reviewing all of the options, our top pick is Choice Home Warranty.
With Choice Home Warranty’s coverage, you get the following great heat pump coverage features:
- Coverage For Air Heat Pumps. Choice Home Warranty will cover air source heat pumps (ASHP) as part of your home’s heating system. However, geothermal and water source heat pumps are excluded from coverage.
- 24/7 Call Center. The service call center at Choice Home Warranty is available all day, every day. They will help get a service provider to your home quickly, especially in an emergency.
- Good Coverage Amount. Choice Home Warranty will cover up to $1500 of any heat pump repairs and replacements that you need.
- Reasonable Service Fee. When you call Choice Home Warranty to service your heat pump, they charge a reasonable fee of just $85 to get a technician to your home.
- Coverage For Old Heat Pumps. Choice Home Warranty won’t deny coverage just because you have an old HVAC system. While they don’t cover pre-existing conditions, they won’t reject your claim just because you have an older heat pump.
Read Also: Do Home Warranties Cover Well Pumps?