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Does home insurance cover furnace replacement?
It gets very cold in the winter where I live, and I worry about how my furnace will hold up this year. Will my home insurance cover the cost of a furnace replacement if it breaks down?
Payton Ternus · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Furnaces are important for keeping your family warm and snug during the cold winter months. Your
home insurance
policy may help cover a furnace replacement if it was harmed by a covered peril listed in your policy documents. Standard homeowners insurance policies will cover furnace repairs or replacements if damage occurred from a covered loss. You can find the list of named perils within your home insurance policy, and these typically include hail, fallen branches, fire, and more.
However, your home insurance may not always cover the costs of furnace repairs or replacements. Here is when your policy will not help cover your furnace:
- Mechanical breakdowns
- Incorrect installation
- Old age
- Flood damage
- Earthquake damage
If you keep up with your furnace’s maintenance, you can save a lot of money in the long run.
Jerry
is here to help you do the same with your home insurance! We make it easy by bringing you competitive quotes from top insurance carriers, and we will help you get signed up right away. Jerry can even help you cancel your old policy and save you more money by bundling your home and auto insurance policies. View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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