Home insurance can help protect your heating, ventilation, and air conditioning (HVAC) system if it is damaged due to a covered peril, as outlined in your policy. Homeowners insurance can provide coverage for repairs to your home's HVAC units if the damage was caused by a covered hazard. The home coverage under your homeowners policy can cover the repair of damage, up to the policy limits and minus the deductible. Window air conditioning units are often covered by personal property coverage.
You may also be able to get coverage for repairs through a home warranty program, which offers discounts on repairs and replacements for heating, ventilation and air conditioning systems and other home systems.
