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Top 5 Best Home Warranties For HVAC (2022 Review)

Top Best Home Warranty Companies For HVAC Review

The HVAC system or heating, ventilation, and air conditioning in your home is one of the major applications you will have to contend with as a homeowner. Without a functioning HVAC system, you could become quite uncomfortable in your home. Finding the best home warranties for HVAC can be a bit difficult. There are some great options on the market, and they all offer unique coverage. In our guide, we will help you . . .

  • Find the best home warranties for HVAC
  • Explain what an HVAC home warranty is 
  • Offer advice on how to choose an HVAC warranty 
  • Explain the costs and fees associated with these policies 
  • And much more 

Having a functioning HVAC system is essential. In addition, with the higher pricing of an HVAC system, you must ensure that your home warranty will offer adequate coverage to keep you from having to pay out of pocket. Let’s take a look at the top five best home warranty companies for HVAC.

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Our Top Home Warranty for HVAC Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market

Compare HVAC Providers

Provider

Visit Site

Best For

Monthly Costs

Service Fees

BBB Rating

States Available

Choice Home Warranty

Visit Site

Best Overall

$36-$44

$60-$85

B

WA

American Home Shield

Visit Site

Most Customizable

$40-$70

$40-$70

B

AK

Select Home Warranty

Visit Site

Most Affordable

$36-$50

$36-$50

C

NV, WA, WI

Home Service Club

Visit Site

Best for Quick Coverage

$50-$63

$65-$125

NA

 

Liberty Home Guard

Visit Site

Best Customer Service

$40-$60

$60

A

WA, WI

Top 5 Best Home Warranty Companies for HVAC:

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty for an HVAC. The Choice Home Warranty plan has been on the market for more than 13 years, and it is known for its high coverage limits. With an HVAC system, you will need this high coverage limit. In addition, Choice Home Warranty includes ductwork coverage to make this a complete solution for your home. With the Choice Home Warranty plan, you can expect impressive customer service and fair pricing in addition to this great coverage. Choice Home Warranty is offered in almost every state across the country, and their service contract is one of the most straightforward on the market. 

Pros

Cons

Both plans cover systems and appliances

Cannot put together a custom plan

Pricing is fair

 

Service fees are reasonable

 

The contract is straightforward to follow and understand

 

Plans, Pricing, and Coverage

There are two home warranty plans that Choice offers. The first is the Basic Plan, and the second is the Total Plan. The Total Plan is the only option that will cover the HVAC, but heating and ductwork are covered under the basic plan. If you want the full HVAC coverage, you will have to invest in the Total Plan. 

The thing that helps the Choice Home Warranty coverage stand out is the fact that the Total Plan comes with a $3000 limit for both heating and cooling. If you run into an issue with these systems, you will want a higher limit like this. In addition, along with the coverage for the HVAC, you will also get some impressive appliance and other systems coverage for your home. If you experience an issue with the ductwork in your home that is also covered, and access to the ductwork has its own coverage limit as well. 

Take a deeper look at Choice Home Warranty’s protection plans:

  • Basic Plan ($42 per month): The Basic Plan is one of the most popular home warranty plans in the nation. However, this is not the best plan for HVAC. There are 14 total covered items, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. 
  • Total Plan ($53.33 per month): The Total Plan is by far the better choice for the homeowner that needs coverage for HVAC. Although the Total plan is a bit more expensive, it has some essential coverages. There are 18 covered items under the Total Plan from Choice Home Warranty, and some of the most important appliances are covered. 
  • Optional add-ons: Choice Home Warranty does not have too many add-on options for homeowners; however, you will have the basics like central vacuum, septic tank, sump pump, well pump, and the pool and spa. The add-on coverages will vary in price from around $5 a month to more than $20 per month. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

What Customers Are Saying:

We have been very impressed with the service we’ve received from CHW. We have one person dedicated to our account, what a pleasure to speak with the same person, who knows us!! I recently called about our microwave, it was displaying an error code. Instead of charging us the $60, our CHW rep took time to look up the error code before he called. He stayed on the phone with me while I tried the fix and it worked!! Now THAT is truly customer service!!!” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable home warranty plan for HVAC. When you invest in the American Home Shield home warranty, you will be taking advantage of more than 50 years of time spent in the industry. In addition, homeowners love the fact that they can build out a plan specific to the needs of their home and HVAC system. In addition to the custom coverage, the plan also offers custom pricing. 

Pros

Cons

It has been on the market for 50 years

Price is a little higher than other plans

Easy to build out a custom plan

 

Plenty of add on options

 

Pricing can be customized as well

 

Plans, Pricing, and Coverage

There are three American Home Shield plans to choose from. The Silver Plan is mostly appliances and won’t be the best choice for a home warranty. However, the Gold Plan and the Platinum Plan will have HVAC coverage. 

The HVAC coverage from American Home Shield has some higher limits, which gives it better value than some other home warranty companies on the market. The coverage limits for the HVAC are closer to $1500, which is a good amount should you run into trouble with your HVAC system. One of the unique things about American Home Shield is covering damage from rust, corrosion, or sediment. 

Here’s a more detailed look at American Home Shield’s Plans: 

  • ShieldSilver™ ($45 per month): Lucky for those shopping for HVAC coverage, the ShieldSilver plan from American Home Shield has the coverage you need at a very fair price. The ShieldSilver is the most affordable of all the plans from AHS, and it has HVAC coverage. The plan covers fourteen home systems, including air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. Most systems will come with a coverage cap of $2,500, but some are higher. 
  • ShieldGold™ ($55 per month): The difference between ShieldSilver and ShieldGold is big. You will go from six total covered items to 23 systems and appliances. The ShieldGold is a comprehensive plan and has a customizable service fee. This is a great choice for those looking for more than just HVAC coverage. 
  • ShieldPlatinum™ ($79 per month): The ShieldPlatinum Plan has 27 covered items and very high coverage caps. The ShieldPlatinum offers homeowners a tremendous number of benefits, fast service, and very high coverage caps; it’s a good choice for a premium home warranty. 
  • Optional add-ons: Homeowners like the pool and spa coverage that the AHS plan offers. In addition, you will find coverage for things like electronics, television, septic systems, and well pumps. With American Home Shield, the customization of coverages allows you to put together a comprehensive plan for your home.  

Plan

Monthly Cost

Service Fee

Silver Plan

$45

$75-$125

Gold Plan 

$55

$75-$125

Platinum Plan

$79

$75-$125

What Customers Are Saying:

We just used our home warranty for the first time. The service from AHS was fantastic! Timely response and claim coverage. We needed a part ordered, and it was done quickly. The service company they sent out was excellent and extremely professional. Very happy with our experience!Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty for HVAC coverage. Select Home Warranty has been in the industry for nine years, and they are known for their impressive workmanship. The Select Home Warranty policy often has lower policy limit coverage, but you can get up to $2000 per year towards a repair or replacement when it comes to HVAC. As long as your HVAC unit is under five tons, the Select Home Warranty plan will cover you. In addition, the Platinum Care plan has other systems and appliances that are also part of the plan. 

Pros

Cons

Great customer service

Some covered items have lower policy limits

Coverages and exclusions are clearly defined

 

High workmanship quality

 

Straightforward policy choices

 

Plans, Pricing, and Coverage

Of the three home warranty plans from Select, Platinum Care is by far the most popular. With the Platinum Care plan, you can ensure that you are getting impressive coverage for a fair value. The service fees are also only $65, which are some of the lowest in the industry. 

The HVAC coverage from Select Home Warranty will be a part of the Bronze Care and Platinum Care plan. The only exclusions that you will find are that the wall, window, and portable AC units will not be covered as part of this plan. The overall value of the Select Home Warranty plan is quite good, considering the coverage you get for the money. 

Take a look at Select Home Warranty’s plan options:

  • Bronze Care Plan ($41 per month): Select Home Warranty has some of the most affordable plans on the market. The Bronze Care Plan is an appliance-only plan that isn’t a great choice if you’re looking for HVAC coverage. The plan comes with coverage for seven appliances. These include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. 
  • Gold Care Plan ($41 per month): The Gold Care Plan is the system’s only home warranty plan covering HVAC. This plan is limited to just six systems. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. This is an affordable plan considering the cost to repair some of these key home systems. 
  • Platinum Care Plan ($47 per month): The Platinum Care Plan from Select Home Warranty is the most popular plan. Select Home Warranty offers double the coverage with the Platinum Care plan. In addition, all homeowners will get free roof leak coverage as an add-on. 
  • Optional add-ons: There are just a few add-on coverages from Select Home Warranty, including pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump.

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

What Customers Are Saying: 

Tremendous customer service and responsiveness. In particular, *********************** and crew worked swiftly to fulfill my requirements, tailored to my specific home repair needs. Thank you!Source

4. Best for Quick Coverage: Home Service Club 

Home Service Club has the best HVAC insurance for quick coverage. The Home Service Club has been on the market for 13 years, and they continue to show homeowners how simple it is to get coverage for your home in just a matter of days. The Home Service Club home warranty has a ten day waiting period at the start of a home warranty plan; most companies have a 30 day. In addition, the Home Service Club does not require you to have an inspection before the start of your policy. Home Service Club is known for impressive workmanship and for allowing homeowners the peace of mind that their home is quickly covered. 

Pros

Cons

Policy starts in just ten days

No cheap plan option with limited coverage

Both plans are comprehensive 

 

Strong history in the industry 

 

Great customer service 

 

Plans, Pricing, and Coverage

There are two Home Service Club home warranty plans to choose from. The Standard Coverage has about 18 covered appliances and systems, while the Comprehensive has 33. The service fee from Home Service Club is customizable, and you will set it when you purchase your home warranty policy. 

HVAC coverage from Home Service Club is quite good. With the Standard Coverage Plan, you will have air conditioning coverage. However, homeowners also get ductwork and whole house fan or attic fan coverage when upgrading to the Comprehensive Coverage. This can be a tremendous benefit as even a small ductwork repair project can get very expensive. For homeowners on a tighter budget, it’s good to know that the Standard Coverage plan still has HVAC coverage. 

Take a more detailed look at Home Service Club’s home warranty plans:

  • Standard Coverage ($50 per month): The Standard Plan is the most basic option from Home Service Club. Even though this is considered the basic plan, there are 18 covered items. This plan will cover the HVAC system, but ductwork is not included. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from Home Service Club takes the Standard Plan and increases the coverage by about ten items. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. The whole house exhaust is a system that often goes hand in hand with HVAC, and it’s important to remember this as part of the coverage. 
  • Optional add-ons: The add-on coverages from Home Service club are quite good. There are 12 additional or add-on coverages as part of their home warranty plan. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. 

Plans

Monthly Fees

Service Fees

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying: 

I love how Home Service Club included electrical systems warranty in their coverage. When my well pump quit on me last week, I asked if they could fix it right away. They sent really skilled electricians to help me out. At least I know I’m getting my money’s worth!Source

5. Best Customer Service: Liberty Home Guard 

The Liberty Home Guard is the home warranty for customer service. Customer service is an essential feature of a home warranty company. When your HVAC system or refrigerator goes down, you will want to deal with a representative that understands the issue and can work towards finding a solution as quickly and efficiently as possible. Liberty Home Guard has only been on the market for two years, yet they have earned an A rating with the BBB. Homeowners that invest with Liberty Home Guard enjoy the long list of add-on coverages and overall fair pricing that this company offers. 

Pros

Cons

BBB rating of an A

Plan add on options will increase overall pricing

Very fair overall pricing

 

60 Day workmanship guarantee

 

A long list of add on coverages

 

Plans, Pricing, and Coverage

There are three home warranty plans from Liberty Home Guard. The Total Home Guard is the best overall choice for the HVAC coverage, and the Systems Guard would be the budget choice. With a coverage cap of $1600 and a service fee of $60, this plan offers tremendous value. 

The HVAC coverage will include any unit up to a five-ton capacity. Wall units are not covered. The heating systems, even if they are solar heating systems, will also be part of the Liberty Home Guard home warranty coverage. The coverage caps are a little tricky with the LIberty Home Guard policy, and they should be looked into with great detail when it comes to HVAC coverages.

Here’s a more detailed look at Liberty Home Guard’s plans:

  • Appliance Guard ($69.99 per month): The Liberty Home Guard Appliance Guard has a total of 11 covered appliances. These will include a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. This is not the best plan choice for HVAC coverage. 
  • Systems Guard ($74.99 per month): The Systems Guard plan is essentially the opposite of the Appliance Guard and covers nine systems. The systems included in this plan are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. This plan is a few dollars more than the Appliance Guard, but systems have a higher repair cost and coverage cap. 
  • Total Home Guard ($79.99 per month): The Liberty Home Guard Total Home Guard plan is the best option because of the mix of system and appliance coverage. The pricing is just a few dollars more than the Systems plan, but it has a total of 20 covered items, including HVAC.
  • Optional add-ons: Liberty Home Guard has one of the most extensive lists of add-on coverage on the market. These coverages will increase the annual price of the plan, but many homeowners find it to be worth it. Some of these coverages are rare, like re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerators.

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

What Customers Are Saying:

Fernando who is a supervisor at Liberty Home Guard has been a tremendous help for us. When I’ve had instances where more junior reps could not get my request expedited, I’ve spoken with Fernando and he was able tog et it done. For example, last time, we had issues with our washer and Fernando was able to get an appliance repair guy at our house the next day. The diagnosis was that it couldn’t be repaired and Liberty went ahead and replaced it that week.Source 

What is a Home Warranty for your HVAC?

A home warranty for your HVAC will cover any normal wear and tear that results in the system needing repairs or replacement. The HVAC system is an integral system in the home, and if it goes down, you will want a quick and effective repair. 

Repairing and replacing an HVAC unit is expensive. With a home warranty in place, homeowners will be responsible for a service fee or deductible, and then the rest of the repair (up to the policy limit) will be covered. In addition, if an HVAC unit needs to be replaced, the home warranty can cover this as well. 

Even if you have a manufacturer’s warranty on your HVAC unit, the homeowner’s warranty is often more expensive and more useful when the time comes. 

What does a Home Warranty Cover?

A home warranty will cover any of the home systems and appliances that you have in your home. If your laundry room appliances go down or your plumbing system experiences a stoppage, a home warranty will step in and cover the expenses. 

Some home warranty plans will cover just appliances, and others will cover both systems and appliances. The most important thing to remember with a home warranty plan is that this is coverage to help keep your budget in place and avoid any large hits to the savings account.

Do Home Warranties Cover HVAC Replacement?

Many people get a warranty plan to cover their home appliances, like dishwashers, water heaters, and ice makers. However, most of the top home warranty providers, like Choice Home Warranty and American Home Shield, also include HVAC repairs and replacement as part of their covered systems.

That being said, every home warranty contract offers different plan options that include and exclude specific covered items. Some providers will include heating and air conditioning systems repair and replacement as part of their basic plan. Meanwhile, others will require you to pay an extra monthly payment for add-ons that include this additional coverage.

Is A Home Warranty Worth It for HVAC?

HVAC systems are surprisingly complex. They have so many different parts, from air conditioners to ductwork, that can break with little notice.

In fact, HVAC systems, like plumbing systems, are some of the most expensive things in your home. Installing new heating and air conditioning systems in a home can cost upwards of $12,000. Ductwork replacements alone can cost up to $20 per foot and can easily rack up a bill worth thousands of dollars, depending on the size of your house. When it comes to home repairs, you will find that the HVAC system ranks among the highest cost. 

Additionally, regular HVAC system maintenance can cost you a few hundreds of dollars every time a service contractor comes to your home. When you combine this with the cost of maintaining other parts of your house, like your electrical system, owning a home can get expensive quickly.

hvac home warranty facts coverage (2)

But, with the right home warranty contract, you can protect yourself against these unforeseen expenses. Most home warranty providers will offer coverage for heating and air conditioning in your home, so you won’t be liable to pay the full price of a costly repair. This is comprehensive coverage that can cover many other appliances and systems as well. 

Instead, when you are protected by a warranty, you’ll generally just have to pay a small service call fee whenever a repair professional comes to your home. Plus, warranty companies will arrange for a service provider to come directly to your home.

Read Also: Do Deductibles Matter for Home Warranties?

With a home warranty, you won’t have to frantically search around for a plumber or electrician when your air conditioning stops working in the middle of the summer. This is particularly advantageous for first-time homebuyers who may not have enough experience to properly vet a contractor’s abilities in an emergency situation.

Ultimately, unless you have the cash on hand to pay for repairs that can cost thousands of dollars, a home warranty for HVAC is certainly worth it. These companies also offer plenty of support throughout the repair and replacement process, which offers homeowners great peace of mind during a potentially stressful time.

If you live in IdahoWyomingMontana, or North Dakota a home warranty that includes HVAC coverage is essential. Check out our state pages for more recommendations based on your location.

​Would A Home Warranty For HVAC Cover Pre-Existing Conditions?

Even if you’ve just purchased a new home, at some point, you’ll have to deal with malfunctioning home systems and major appliances. Older air conditioning units and heating systems will naturally need repairs as they age, but will your home warranty cover these costs if they’re caused by pre-existing conditions?

Unfortunately, most home warranties won’t cover a pre-existing condition if it could’ve been detected by a professional conducting routine maintenance. So, if your air conditioner has been leaking freon for a while and you’ve waited until you had a home warranty to fix it, you’ll probably be liable for the costs.

This is why it’s generally best to arrange an inspection of your home before you purchase a warranty plan. While this is usually part of the real estate purchasing process, even if you’re not a new home buyer, it’s worth knowing what pre-existing your house’s systems have, if any. This will help prevent you from being surprised by any repair costs down the line.

These inspections also sometimes give you information about the normal wear that the systems and appliances have encountered and any impending replacement costs for the items in question.

How Soon Can You Use A Home Warranty For HVAC After Purchase?

The vast majority of home warranty companies will have a waiting period after enrollment before you can make your first service call, whether you’re having a problem with your sprinkler system, central vacuum, or your garbage disposal. 

This might seem a bit unfair, but warranty companies have waiting periods to prevent people from taking advantage of their services. If there were no waiting periods, a homeowner that knows they need a new hot water heater could simply sign up for a warranty plan and then get a replacement the next day.

Read Also: What Do The Top Home Warranty Companies Offer?

Every home warranty company is different, so you’ll need to read the specifics in your service contract to see how long you have to wait after you enroll before making your first claim. 

Just exactly how long is your average waiting period? Well, here are some examples:

  • Choice Home Warranty: 30 days
  • American Home Shield: 30 days
  • Select Home Warranty: 30 days
  • Service Plus: 30 days
  • First American Home Warranty: 30 days

As you can see, pretty much all of the best home warranty companies in the industry have a 30 day waiting period before coverage kicks in. 

However, most of the top service providers will waive this waiting period if you’re simply switching plans from one company to another. In these situations, if you can prove that you haven’t had any gaps in your warranty coverage, then you can make your first claim as soon as you enroll.

What To Look For When Picking the Best Home Warranty For HVAC?

There are dozens of different home warranty companies out there, so finding the best one for your HVAC system can be tricky. Here are some of the most important things to look for when shopping around:

Premium Cost

Whenever you buy a home warranty, you’ll have to pay a premium. Your premium is the amount you owe each year in exchange for your coverage.

Premium costs vary quite widely from company to company. But, they’re also very dependent on the size of your home and what you choose to add to your coverage plan. In addition, some companies will change the price of their plan if you are living in Alaska or Hawaii. This is done because of the different issues that can impact a home as you move from one area to another.

Customer Service

A home warranty company that doesn’t have great customer service isn’t much use to you as a homeowner when you’re dealing with a malfunctioning heating system in the middle of the winter.

So, when deciding on your next warranty policy, be sure to do some research into their customer service. Read up on their call center hours to see if they offer 24/7 support. Plus, don’t forget to read through their BBB page and social media profiles to read honest reviews of their customer service.

Service Fee

When you file a claim with a home warranty company, you generally need to pay a service fee if a repair technician is sent to your home – sort of like a co-payment on your health insurance plan. This fee varies from company to company and generally isn’t a huge sum of money.

But, you usually need to pay this every time a service provider comes to your home. So, a lower service fee is generally better for your wallet in the long run.

Inclusions/Exclusions

Before you sign a contract for a home warranty, it’s essential that you know what is and isn’t included in your policy. This is where reading the fine print is of the utmost importance.

For HVAC systems, you’ll need to know if your home’s heating method is covered by a specific plan. Some providers won’t provide coverage for non-traditional heating sources or for certain types of heat pumps.

Additionally, many companies won’t include air conditioning in their basic plans. So, you’ll have to get an add-on or a combo plan to ensure you have coverage for either your central A/C or wall-mounted units.

Read Also: What Are The Top Home Warranties For Appliances?

Finally, an HVAC system is useless without its ductwork. So, read through the fine print to ensure that your home’s ducts are covered under your warranty. Many companies will have limits on precisely how much they will pay for ductwork, which can be potentially problematic if you have a large home.

Plus, if you do need repairs on your ductwork, you’ll have to open up some walls to get the job done. Some warranty companies will not pay to return your walls to their original finished state, which means you’ll be left with sizable out-of-pocket costs.

Warranty Cost Coverage Limits

Warranty companies won’t necessarily cover all of your expenses if you need to make a claim. In fact, they’ll have coverage maximums clearly outlined in their terms of service.

When trying to decipher how much a company will actually pay, you’ll need to look at two things: the maximum cost and the per-item coverage.

Some providers will offer higher coverage maximums if you have their premium plans, while others have a single limit across all of their contracts. Additionally, companies will have a limit on how much they’ll pay to repair or replace a single item.

This can make a big difference when it comes to your out-of-pocket costs, especially for an expensive appliance like a heat pump. So, higher per-item and maximum coverage limits are ideal when it comes to home warranties.

Read Also: What Are The Best Home Warranties For A Heat Pump?

Basic Plan vs. Add-Ons

As you start shopping for warranties for your HVAC system, you’ll notice that you can often choose between a basic plan and various add-ons. While some companies allow you to build your own warranty, others give you pre-set options that you can choose from.

The majority of companies will include heating and ductwork as part of a basic home warranty plan. However, coverage for air conditioning units often costs extra since not all homes have A/C installed.

What’s important is that you get enough coverage to adequately protect yourself in case your HVAC system malfunctions. If you’re going to pay a premium for a home warranty, it should fully cover your most expensive home systems. So, be sure to read the fine print and choose the plan that’s right for you.

Read Also: What Are The Best Home Warranty Plans For A Furnace?

Home Warranties for HVAC – Coverage 

In this category, we will be going after what each home warranty covers under the HVAC and what is not covered.

Choice Home Warranty

Choice Home Warranty is a popular HVAC warranty provider for its generous offerings and the comprehensiveness of plans. The HVAC system has been divided into sections/ components covered separately in the plans.
 
Choice has two plans for homeowners; a basic plan and a total plan. The basic plan will cover the built-in microwave, ductwork, oven/range/stove, water heater, plumbing stoppage, garbage disposal, whirlpool bathtub, heating system, electrical system, plumbing system, ceiling and exhaust fans, dishwasher, cooktop, and garage door opener. Being an upgrade of the basic plan, the total plan will cover the air conditioning system, clothes washer & dryer, and refrigerator in addition to items in the basic plan. 
 
As noted, the HVAC components in the basic plan are the ductwork and heating system, but if you want to cover the air conditioning system too, you’ll have to go for the total plan.
 
HVAC is not complete without a vacuum, but this item is covered as an optional add-on. The optional coverage consists of a second refrigerator, limited roof leak, septic system, additional spa, pool/spa, stand-alone freezer, central vacuum, septic tank pumping, well pump, and sump pump.
 
On to coverage, Choice Home Warranty will cover the following concerning your HVAC system;
  • Floor Furnace
  • Hot Water Heat
  • Wall Mounted Units
  • Heat Pumps
  • Ducted Central Electric Split and Package Units
  • Forced Air (gas, electric, oil)
  • Mini-splits
  • Duct
  • Geothermal
  • Electric Baseboard
 
However, there are some exclusions, and the provider won’t cover the following;
  • Collapsed ductwork
  • Piping repairs related to the water source in case you are using a steam circulated heater
  • Fuel storage tanks in case you are using gas, oil
  • Chillers and or any form of insulation
  • Source of heating for instance wood stoves
  • Portable units
  • Any extra equipment or components that are necessary for the repair or replacement of the HVAC and components. For instance, when replacing condensers, you might require new air handlers, and the warranty provider is not liable.
  • Refrigerant line sets

American Home Shield

Have you checked out American Home Shield’s new plans? If not, we have the pleasure of breaking them down for you. There’s the ShieldSiver, ShieldGold, and ShieldPlatinum. The ShieldSilver is a systems plan, while the ShiledGold is like a combo that combines appliances and systems. The ShiledPlatinum has more appliances, systems, and roof leaks, among other perks.
 
In the case of the HVAC, we’ll be focusing on the ShieldSilver, which covers;
  • Whirlpool Tub Motor & Components
  • Air Conditioners
  • Garage Door Openers
  • Interior Plumbing Lines
  • Built-in Exhaust, Attic Fans, and Vent
  • Heating Units
  • Water Heaters
  • Faucets & Valves
  • Doorbell & Chimes
  • Ductwork
  • Fuse and Main Circuit Breaker Panel Box
  • Ceiling Fans
  • Electrical Lines
  • Toilets
Unlike Choice Home Warranty, the air conditioning system is covered in all plans, so you don’t have to get an upgrade.
 
Let’s talk about what is covered and what is not.
 
In the AHS ShieldSilver plan, three components of the HVAC are covered; air conditioners, heating units, and ductwork.
  • With the air conditioners, parts covered include; Mini-splits
  • Geothermal
  • Ducted central electric split and package units
  • Wall air conditioners
Covered parts under the heating units include;
  • Steam circulating heat
  • Geothermal
  • Electric baseboard
  • Room heaters
  • Floor furnaces
  • Package units
  • Cable heat if it serves as the primary or only source of heat to a room or the home.
  • Wall-mounted heaters
  • Forced air (gas, electric, oil)
  • Mini-splits
  • Heat pumps
Ductwork coverage extends to;
  • Dampers
  • Ductwork leaks
  • Plenums
  • Damper-only controls
While there’s pretty much covered, there are some exclusions that homeowners should be aware of. These include;
  • Piping repairs related to the water source in case you are using a steam circulated heater
  • Fuel storage tanks in case you are using gas or oil
  • Refrigerant and plenum line sets
  • Source of heating for instance wood stoves
  • Portable units
  • Water towers
  • Window units

Select Home Warranty

Select Home Warranty has separate plans for systems and appliances. Their Bronze Care plan offers coverage for appliances, while their Gold Care plan covers systems. The platinum Care plan combines the appliances and systems to cover them in one comprehensive plan.
 
Being a major home system, the HVAC automatically falls under the Gold Care plan, which covers;
  • Ductwork
  • Heating System
  • Electrical System
  • Water Heater
  • A/C, Cooling
  • Plumbing system
So, here you have your ductwork, heating systems, air conditioning, and cooling systems covered in one plan with the central vacuum as an add-on.
 
Under the A/C Cooling, covered items include;
  • Condenser Fan Motors
  • Relays
  • Cut in Switches
  • Start Assist
  • Condensers
  • Thermostats
  • Thermistor
  • Defrost Boards
  • Compressors
  • Transformers
  • Capacitors
  • Pressure Switch
  • Blower Motors
  • Contactors
The following will be excluded;
  • Flues
  • Humidifiers
  • Pumps
  • Air Cleaners
  • Heat Exchanger
  • Geothermal Heating/Cooling Units
  • Coils
Under the ductwork, all ducts from cooling and or heating units are covered, provided they are not crushed or improperly sized.
 
Parts covered under the heating system include transformers, thermistor, burner assembly, cut in switches, compressors, ignition modules, relays, thermostats, thermocouple, defrost boards, inducer motors, pressure switch, contactors, igniters, pressure switches, capacitors, heating elements, condensers, blower motors, and condenser fan motors. What isn’t covered includes flues, coils, heat exchangers, air cleaners, humidifiers, pumps, and geothermal cooling /heating units.
 
The central vacuum parts are covered, with the only exclusion being clogged pipes.
 
Basically, the three top HVAC home warranty providers will cover your ductwork, heating systems, and air conditioning. The central vacuum is covered by Choice Home Warranty and Select Home Warranty but only as an add-on option.

Home Warranties for HVAC – Expense

Having a rough idea of what is covered by each home warranty provider, you now want to look into two things to determine which home warranty company is the best for HVAC; cost and coverage limits.
 
We sought to see how much a home warranty plan for HVAC could cost by comparing the three top home warranty providers’ prices in Idaho against coverage limits.
 
Cost vs. Coverage Limits Choice Home WarrantyAmerican Home ShieldSelect Home Warranty 
Cost
609 for the Total plan plus $40 coverage for central vacuum.
 
Total per year $649
$549.84 for the ShieldSiver plan based on a $75 service fee plus $75 AC tune-up per year.
 
Total per year $624.84
$482.04 for the Gold Care plan plus $39.96 for the central vacuum.
 
Total per year $522
Coverage Limits$3,000$1,500 $2,000
Cancellation Fee$50 after the 30-day free cancellation periodEquivalent to one month’s payment after the 30-day free cancellation period$75 after the 30-day free cancellation period
Service Fees$60- $85$75 or $100 or $125
$60
 

Home Warranties for HVAC – Reliability

While cost and coverage are every homeowner’s primary considerations for choosing a home warranty plan, the provider’s reliability matters a lot. Imagine getting yourself a good deal; comprehensive coverage on your appliances and systems, pocket-friendly cost, and generous coverage caps but having to wait a whole month for a service repair or replacement. Or being put on hold for hours, and it takes days to get in touch with the customer care representatives.
 
A home warranty is supposed to give you peace of mind knowing that you can file your claim and get timely service regardless of day or time. This is why it’s important to gauge how reliable a home warranty company is before settling on a plan.
 
Choice Home Warranty has 24/7 customer support, an online portal to file claims, and emergency service is available, and the same goes for Select Home Warranty and American Home Shield. Usually, it takes 2 business days to get a service visit and up to 4 days during the weekends and holidays.
 
With American Home Shield, they’ve set the bar higher with a separate call line for customers who wish to file their claim. However, their workmanship guarantee period is shorter as they offer only 30 days, while Choice Home Warranty and Select Home Warranty each offer 90 days workmanship guarantee.

Our Top Pick For A Home Warranty On HVAC

There are a lot of great home warranties for HVAC systems out there. But, if we had to choose just one, Choice Home Warranty would be our top pick. Here’s why:

  • Great Customer Support. Choice’s call center is available 24/7, every single day of the year to help you with any issues that arise in your home.
  • Good Coverage. The company’s total plan offers good coverage of heating systems, air conditioning, and ductwork in your home.
  • Reasonable Service Fee. When you make a claim with Choice Home Warranty, your service fee is just $85.
  • Minimum Wait Period. With a waiting period of 30 days after enrollment before you can make your first claim, Choice Home Warranty is on-par with other leaders in the industry.
  • Free Second Opinions. If you’d like a second opinion on any service done on your home, Choice will provide it for free.
  • Free Reservice. Should there be an issue with any repairs completed on your house, Choice Home Warranty offers a 30 day free reservice period for labor and 90 days for parts.

Now that you’ve reached the end of this HVAC review, we encourage you to pick a company that covers this system in your hometown. We’ve reviewed several cities around the country that cover HVAC and other items, like Colorado Springs, San Antonio, Waco, Madison WI and Tulsa.

Want to learn more about home warranties for different systems? Check out our review on a home warranty for a well pump.


Our Top Picks Recap

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market

Home Warranty for HVAC FAQs

Below are just some of the frequently asked questions we receive about home warranties for HVAC.

Q.

Do home warranties cover HVAC systems?

A.
Most home warranties do cover heating and air conditioning systems in your home. They will cover systems powered by electricity, oil, or gas, along with the system of ductwork that carries the hot or cooled air throughout the home.
Q.

Does American Home Shield cover HVAC systems?

A.
Yes, AHS covers the repair and replacement of air conditioning and heating system components, including ductwork. AHS covers a single system including geothermal, water source heat pumps, and hot water or steam circulating systems. The coverage dollar limit is $1,500. 
Q.

Who offers the best HVAC coverage?

A.
In the HVAC category, Choice Home Warranty offers good coverage and the highest dollar limit at $3,000. The others offer similar coverage but at lower dollar limits. Here is a breakdown of coverage from the top five providers:

Home Warranty Provider
Includes Ductwork
$$ Limit
Choice Home Warranty
Yes
$3,000
American Home Shield
Yes 
$1,500
Select Home Warranty
Yes
$2,000
Liberty Home Guard
Yes
$1,600
Cinch Home Services
Yes
$1,500
Q.

What does a home warranty cover?

A.
A home warranty is meant to cover a range of appliances and systems in your home from breakdown due to everyday wear and tear. A home warranty can cover everything from your electrical system to the garbage disposal. Here are a few details on what you can expect in terms of coverage in a home warranty Premium Plan.

Among the systems covered:
  • HVAC, including ductwork
  • Plumbing, including stoppages
  • Electric
  • Water heater
  • Whirlpool bathtubs
  • Ceiling and exhaust fans

Among the appliances typically covered:

  • Refrigerator
  • Built-in microwave oven
  • Range / Stove / Oven
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Garage door opener

Among other add-on options besides septic, you could get coverage for:
  • Pool / Spa
  • Sump pump
  • Well pump
  • Limited Roof leaks
Q.

How Quickly Will My HVAC Be Fixed With A Home Warranty In Place?

A.

When purchasing your home warranty policy, it is a good idea to learn about the service request times and how they are impacted by your plan. Some plans guarantee that you have a service technician in your home within 24-48 hours. If you read the fine print, many will not guarantee a fix inside a 30-day window. 

If it's summertime in Ohio and your HVAC unit goes down, this may not be a large concern. However, living in Florida during that same period, you will be very uncomfortable for a few days. Knowing how long you may have to be without your HVAC system running will help you purchase a better plan. 

Most companies strive to have your issues fixed as soon as they can. It's better for the home warranty company to have the issues off their list, and it's better for their reputation as well. Many of these home warranty companies grow by word of mouth. Their reputation and the way they handle issues are essential.

Q.

Is a home warranty for HVAC systems worth it?

A.
Even at the lower coverage amounts (say, $1,600) the cost of a home warranty plan for multiple systems and appliances runs less than half of that per year. While a home warranty won’t necessarily cover the cost of a complete HVAC replacement, the coverage limits go a long way in protecting your budget.