Because the HVAC system is one of the most important and costly systems in every house, it is a good idea to have at least some HVAC insurance that will cover it in the event of certain circumstances. This will enable you to rest easy knowing that should damage occur, you have the system covered. However, most homeowners do not know about the types of HVAC insurance or that it even exists in the first place. In this article, we will highlight the various types of HVAC insurance coverage and how it works.
For more professional advice or help regarding your HVAC system in the greater St. Louis area, do not hesitate to get in touch with the experts at Galmiche & Sons. As a leading expert in the industry, we will ensure that we take care of all your heating & air conditioning needs. Give us a call today at 314-993-1110.
What are the Available Options for HVAC Insurance?
Although you cannot go to an insurance company and ask for HVAC insurance coverage specifically, there are a variety of policies that you may have, or can obtain, which cover damage to your HVAC system. These include:
Homeowner’s Insurance Coverage
Most homeowners carry insurance coverage that protects their home from damage. If you have a homeowner’s insurance policy, then chances are high that it includes limited HVAC insurance as well. The coverage will be against risks that are included in the homeowner’s insurance policy. These typically include vandalism and theft, accidental fires, weather damage, and lightning strikes, among others.
When using the homeowner’s insurance coverage as your HVAC insurance, it is important to note that there are certain exceptions. For example, the HVAC insurance will not cover damages to the system that are as a result of normal wear and tear or maintenance issues. Likewise, the coverage will not pay for repairs for a system damaged accidentally.
Major Appliance/ Home Warranty Insurance
You can get a more comprehensive HVAC insurance policy by seeking major appliance and home warranty insurance coverage. Certain home warranty policies offer coverage for major appliances used in the home. These insurance policies typically provide coverage against breakdown and failure of household equipment as well as their repair and replacement.
HVAC Contractor Service Plans
If you want further coverage and protection in addition to the above HVAC insurance plans, you can also contact a local HVAC company to inquire about service plans. Most HVAC contractors, including Galmiche & Sons, will offer service plans for your heating and cooling systems. This will usually include a routine maintenance check on your HVAC system as well as other benefits. To learn more in St. Louis, contact Galmiche & Sons to sign up for your HVAC service plan.
Get to Know More about HVAC Insurance
When it comes to HVAC insurance, there is a lot to know and understand. At Galmiche & Sons, we are always willing and ready to help. You can give us a call today at 314-993-1110 to get to know more about HVAC insurance options as well as get answers to any other heating & air conditioning concerns that you may have.
