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Does Homeowner’s Insurance Cover HVAC Replacement

Does Homeowner’s Insurance Cover HVAC Replacement

Posted by
Ed Miller on Thu, Apr 14, 2016

Do you have an old HVAC unit that is not running as efficiently as you’d like? Perhaps your current HVAC unit is broken and you are unsure if it could be repaired, or if the costs of repairing or replacing the unit would be covered by a typical homeowners insurance policy?

Well, it all depends on the source of the damage to your HVAC unit. There are times when having a typical homeowner’s insurance policy can help to cover the cost to repair an HVAC unit, particularly when Mother Nature is to blame. If the unit in question was destroyed by one of the named perils in your policy, it will likely be covered. However, if the problem stems from normal wear-and-tear, your policy probably will not cover repair or replacement costs.

Cases when your broken HVAC unit will be covered

Living in Northeast Florida, it can be difficult to live without heat in the winter or, worse, without A/C in the summer. It’s a good thing, then, that if the damage to your HVAC unit was caused by a natural disaster, fire, or some other catastrophe, repairing or replacing your HVAC unit is usually covered by your typical homeowners insurance policy, which hopefully you have. Other unforeseen circumstances are also likely to be covered—like frozen or burst pipes and falling objects.

Cases when your broken HVAC unit will not be covered

However, there are many cases when your policy simply does not cover repair costs. For example, basic homeowner’s insurance will not cover damage due to an earthquake. Furthermore, basic maintenance will not be covered. If your HVAC unit simply stopped working for a known reason, then you are most likely going to have to pay for repairs out of pocket—although, depending on the damages, it may be more cost-effective to buy a whole new HVAC unit. You can still try to submit a claim, but it is more than likely that you will get denied.

Major Appliance Insurance

There are other ways to cover the cost of repairing a broken HVAC unit. When it comes to air conditioning repair, you can purchase additional major appliance insurance. This is a special kind of insurance that will cover your major appliances, including your HVAC unit, when they break down and need to be repaired. Contact your insurance company about purchasing this additional coverage.

Snyder Heating and Air Conditioning can help with your busted HVAC unit!

Keep in mind that, typically, the newer and more efficient your HVAC unit is, the cheaper your coverage will likely be, plus the length of your warranty should be longer. The older and less efficient the unit, the harder and more costly it is to repair, plus it may take longer for a professional to find and fix your problem. A modern HVAC unit will not only cut down on your repair costs, but will also save you money due to it’s performance, and the fact that it will use less energy that an older unit.

If you are having issues with your HVAC unit, the team of professionals at Snyder Heating and Air Conditioning in Jacksonville, Florida have the knowledge and professional experience, as well as dedication to excellent customer service, to ensure that your HVAC unit repair job is done to your complete satisfaction. Let Snyder help you get your HVAC unit up & running before it really starts to get hot here on the First Coast!

where you’ll find snyder

Snyder Air Conditioning, Plumbing and Electric serves families across Florida. You'll find our technicians are just a short phone call away in neighborhoods throughout these counties:


  • Alachua
  • Baker
  • Clay
  • Duval
  • Flagler
  • Nassau
  • St. Johns


  • Broward
  • Martin
  • Miami-Dade
  • Palm Beach
  • St. Lucie

Customer Reviews

This was an exceptional experience! We woke up to our A/C on but not cooling (it was 6am and already 81 in the house). The person who set up our appointment was very nice, able to get us seen same-day, and let us know of some options to help save us money.

-Christy Cormier

The service from Sam and Chris was excellent! They were very knowledgeable and professional. They were able to answer all of my questions and completed all of my electrical issues. I will definitely use them again for future jobs. Thank you!

-Adrienne Beal

From the get go I could tell that the Snyder employees were truly professionals and didn’t push to make sales like other companies I’ve talked to my whole life. They took the time to explain so that I could make a decision. The installers and later the duct cleaners were very respectful during their work here. Thank you.

-Mike Daniels

Snyder Heating and AC is dependable, always on time and techs have always been courteous and knowledgeable. Emanuel was a great addition to the company. He was friendly and knew what he was doing. Thank you for great service.

-Linda Ackley

Snyder came in and did a total overhaul of our duct system. They had a great knowledge of what to do to make our home so comfortable! The technicians were all so professional and took great care of us! We’re so thankful for their expertise. Great and easy communication with the call center. We will definitely use them again!

-Crystal Hill

Snyder provided an amazing experience from start to finish. Most of us dread getting estimates with pressuring salespeople. Erik was a great guy, explained all my options and didn’t try to pressure me to act quickly! Justin followed up with my husband and I to offer further assistance in our decision. Again, no pressure, just helped with our follow up questions.

-Michele Bauer

Very prompt, professional, courteous, and cleaned up after repair. Had water line break in my front yard and no pressure. Very pleased and would highly recommend Snyder for all your plumbing, and AC needs. Thank you for making a rough morning get better with ease and professionalism.

-Chuck Jr.

Snyder was easy to get in contact with and had availability the next day. Clint came out and needed some parts so had to reschedule us for the next day for installation. He did a great job converting our old 3 knob shower to one. Looks great! Professional and courteous. 100% recommend this company, especially Clint.

-Nicole Hansen

Very thorough and professional Job

-John Ridenour

Excellent work. Hard worker. Highly recommend.

-Andre A

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