With some exceptions, HVAC systems are usually covered by home warranties that include home systems. The HVAC systems covered under the warranty depends on the type of warranty purchased. Appliance coverage typically includes appliances only (including kitchen and laundry appliances), systems only (including whole home systems like electrical, plumbing, and HVAC), or combination policies that cover both appliances and whole home systems. The home warranty policy will specify which HVAC components are covered, which typically include central air conditioning units, heating systems, some wall heaters, and water heaters. Some home warranties for HVAC will cover ductwork, pipes, and controls such as thermostats. Typical exclusions include portable appliances such as window units. Learn more about home warranty coverage for HVAC systems.

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