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Top 10 Best Home Warranty Companies for HVAC Coverage 2024 - Reviews and Comparison

Michael Graw
Best Home Warranty Companies for HVAC Coverage
A hot summer or a cold winter can strain your home’s HVAC system and eventually lead to a breakdown. Repairing or replacing your heating and cooling appliances can be very costly, and you often need the work done as quickly as possible to keep your home comfortable. That's when your home warranty policy comes in.

A home warranty policy that includes HVAC coverage can protect you from sky-high bills if your HVAC system stops working. You pay a monthly or annual fee, and the home warranty company will cover the cost of the repair or replacement.

To help you choose the right one for you, we tested and reviewed the top 10 best HVAC warranty companies.

Our Best HVAC Warranty in 2024:

What Is an HVAC Warranty?

HVAC stands for heating, ventilation, and air conditioning. This is the system within your home that keeps the temperature comfortable, whether it’s scorching hot or freezing cold outside.

An HVAC warranty typically covers appliances like your furnace, air conditioner, or heat pump. It can also cover the duct system that carries air through your home.

The advantage of having an HVAC warranty is that you pay a set monthly or annual fee for coverage. When part of your HVAC system breaks, all you have to do is file a claim with your warranty provider. They will send out a technician to fix the problem so you won’t have to pay out of pocket for what could be costly repairs.

What HVAC Repairs Are Covered With a Home Warranty?

A home warranty, also known as home appliance insurance, is designed to cover breakdowns resulting from normal wear and tear. They’re different from homeowners insurance policies, which cover damage from weather or accidents like fire.

A common question we get is, “Does a home warranty cover HVAC systems?” Many home warranty policies cover HVAC systems as part of their broader home systems coverage, but not all do. It’s important to make sure that your policy covers the specific heating and air conditioning appliances your home relies on.

Typically, HVAC coverage includes repairs to central air conditioning and heating units, wall heaters, water heaters, and ductwork. Some home warranties offer coverage for components like thermostats and vents. However, HVAC policies usually don’t include portable heaters or air conditioners, such as space heaters or window AC units.

A Closer Look Into the Best HVAC Warranties in 2024: Our Quick Reviews

1. Choice Home Warranty

 Award-winning home warranty provider with 24/7 customer support

Choice Home Warranty


Best for: Best for homeowners who want a custom warranty policy

Annual premium: $476-$660 

Service fee: $75-$125

Number of plans: 2

Support: 24/Choice Home Warranty offers affordable HVAC warranties that cover not only your heating and AC systems, but also your water heater, ductwork, and ceiling and exhaust fans. The company has a network of more than 15,000 contractors across 49 states. Choice caps coverage at $3,000 per item, but that’s more than enough for most HVAC repairs.

Why we chose Choice Home Warranty: Choice Home Warranty offers flexible plans to cover any home. You can customize your service call fee and add coverage for a second heater or AC unit for only $120 per year. In addition, the company will guarantee all repairs for 90 days.

Our experience: Making a claim with Choice Home Warranty is fast and easy. You can call or submit a claim online. A technician will be in touch within 48 hours to schedule your repair.

Pros:

  • Extensive network of contractors

  • 24/7 claims support

  • Customize your service fee

Cons:

  • Coverage limited to $3,000 per item

  • Not available in Washington

Read the full Choice Home Warranty review

Choice Home Warranty Choice Home Warranty Visit Site

2. Select Home Warranty

Comprehensive warranty plans at affordable prices

Select Home Warranty


Best for: Homeowners on a budget

Annual premium: $432-$756

Service fee: $60-$75

Number of plans: 3

Support: 24/7

Select Home Warranty offers highly affordable warranty plans with comprehensive HVAC coverage. You get up to $2,000 per covered repair. Select Home Warranty has more than 10,000 in-network contractors and offers 24/7 phone support for claims. 

Why we chose Select Home Warranty: Select Home Warranty is one of the most affordable home warranty providers we’ve reviewed. HVAC warranty plans start at only $588 per year. Your service fee can be as low as $60, which is lower than most competitors’ fees.

Our experience: Select Home Warranty goes the extra mile to keep its plans within reach of every homeowner and will price-match competitors’ offers. 

Pros:

  • Discount for purchasing an annual plan

  • Around-the-clock claims support over the phone

  • Very low service fee

Cons:

  • No online claims form

  • Not available in Nevada, New York, Washington, or Wisconsin

Read the full Select Home Warranty review

Select Home Warranty Select Home Warranty Visit Site

3. American Home Shield

50-year-old home warranty company with 1.8 million members

American Home Shield


Best for: Homeowners with older HVAC systems

Annual premium: $500-$700

Service fee: $75-$125

Number of plans: 3

Support: 24/7

American Home Shield offers fully comprehensive plans to cover your home’s HVAC system. Its top-tier ShieldPlatinum plan gives you $6,000 in coverage for each item, plus $1,000 for correcting code violations. It also includes unlimited AC refrigerant replacement. For households on a budget, the ShieldSilver plan offers $1,500 in coverage and free HVAC system tune-ups.

Why we chose American Home Shield: American Home Shield has been around for more than 50 years and has 1.8 million members. It’s accredited by the Better Business Bureau, operates in all 50 states, and has 17,000 in-network contractors.

Our experience: We like how American Home Shield gives you a range of options to customize your warranty plan to better suit your home. You can also choose your service fee.

Pros:

  • All plans include free HVAC tune-up

  • Provides coverage for fixing code violations 

  • Covers older HVAC systems and rust damage

Cons:

  • Above-average premiums

  • Workmanship guarantee is only 30 days

Read the full American Home Shield review

American Home Shield American Home Shield Visit Site

4. Liberty Home Guard

Fast and reliable repair service in all 50 states

Liberty Home Guard


Best for: Homeowners with complex HVAC systems

Annual premium: $365-$699.99

Service fee: $75-$150

Number of plans: 3

Support: 24/7

Liberty Home Guard offers very flexible home warranty plans that you can customize with a wide range of add-ons. The company’s heating and cooling system protection covers your furnace, AC unit, and ductwork. You can also add optional coverage for a swamp cooler. Plans can be somewhat pricey, but Liberty Home Guard delivers excellent customer service.

Liberty Home Guard has unveiled a great mobile app, revolutionizing the way homeowners manage their home warranty accounts and file claims. Recognized as a top choice for repairing complex HVAC systems, the app offers users effortless access to warranty information, efficient claims management, and real-time notifications, ensuring homeowners are always in the loop.

Why we chose Liberty Home Guard: Liberty Home Guard has outstanding reviews from its customers, including a 4.6-star rating on Trustpilot and an A+ rating from the Better Business Bureau. Technicians typically get in touch within 24-48 hours of you submitting a claim.

Our experience: We like that Liberty Home Guard offers discounts for annual and multi-year contracts. We were able to get up to six months free when purchasing a five-year warranty.

Pros:

  • Wide range of optional add-ons

  • Optional swamp cooler coverage

  • Very positive customer reviews

Cons:

  • Coverage is capped at $2,000 per item

  • Only 10,000 in-network contractors

Read the full Liberty Home Guard review

Liberty Home Guard Liberty Home Guard Visit Site

5. AFC Home Club

Choose from four customizable warranty plans

AFC Home Club


Best for: Homeowners who want to use their own contractor

Annual premium: $345-$575

Service fee: $75-$125

Number of plans: 4

Support: 24/7

AFC Home Club offers four home warranty plans, three of which include HVAC coverage. You can also customize your plan with a wide range of add-ons and choose your service fee. Furnace and air conditioning repairs are covered up to $2,000 each, but ductwork repairs are only covered up to $250.

Why we chose AFC Home Club: AFC Home Club is one of only a handful of HVAC warranty companies that lets you use your own repair technician. If you don’t have one you trust, AFC Home Club can connect you with an in-network contractor.

Our experience: It’s easy to file a claim with AFC Home Club online or over the phone. Since you can use your own technician, you can arrange emergency repairs faster than with other warranty companies.

Pros:

  • Choose from four plans and add-ons

  • Use your own contractor for repairs

  • 24/7 claims service

Cons:

  • Ductwork coverage capped at $250

  • Does not cover damage due to rust

Read the full AFC Home Club review

AFC Home Club AFC Home Club Visit Site

6. First American Home Warranty

Covers items regardless of age and offers a large contractor network

First American Home Warranty


Best for: Homeowners who prioritize fast repair service

Annual premium: $360-$546

Service fee: $85

Number of plans: 2

Support: 24/7

First American Home Warranty’s  Premier plan protects all of your home’s appliances, including covering HVAC systems of any age up to $3,500 per item. You can customize your warranty with several add-ons, including an HVAC system tune-up. First American Home Warranty also lets you transfer your warranty to a new owner if you sell your home.

Why we chose First American Home Warranty: First American Home Warranty has been in business for nearly 40 years and has a huge nationwide network of contractors. The company makes the claims process easy with an online form and a dedicated phone line.

Our experience: It was easy to get a personalized quote from First American Home Warranty, and the company has many discounts to make its HVAC service contracts more affordable. We also like that the company charges a flat $85 service fee, which is relatively low for the industry.

Pros:

  • Covers HVAC appliances no matter how old they are

  • 24/7 claims online and over the phone

  • Offers HVAC system tune-ups

Cons:

  • Short 30-day workmanship guarantee

  • Only one plan covers HVAC systems

Read the full First American Home Warranty review

First Premier First Premier Visit Site

7. Advanced Home Warranty

Affordable warranty plans with low coverage limits

Advanced Home Warranty


Best for: Homeowners who want basic coverage at a low price

Annual premium: $476-$560

Service fee: $85

Number of plans: 2

Support: 24/7

Advanced Home Warranty is a budget-friendly HVAC warranty provider. The company’s plans offer limited coverage—up to $1,500 for your heating system and $500 for ductwork and other HVAC components—in exchange for below-average premiums and service fees. While there are only two plans available, both cover your heating system.

Why we chose Advanced Home Warranty: Advanced Home Warranty has 15,000 in-network contractors and operates in all 50 states. If an appliance can’t be repaired, Advanced Home Warranty will replace it with an item of similar value.

Our experience: We found that Advanced Home Warranty responds to claims very promptly. It’s easy to file a claim online or over the phone at any time.

Pros:

  • Affordable warranty plans and service fees

  • 24/7 claims service

  • All plans include heating system coverage

Cons:

  • Coverage limited to $500 for ductwork repairs

  • Limited selection of coverage add-ons

Read the full Advanced Home Warranty review

Advanced Home Warranty Advanced Home Warranty Visit Site

8. The Home Service Club

Comprehensive coverage and a 90-day workmanship guarantee

The Home Service Club


Best for: Homeowners who want a comprehensive home warranty policy

Annual premium: $552-$799

Service fee: $65-$125

Number of plans: 2

Support: 24/7

The Home Service Club is a premium HVAC warranty company that goes above and beyond. The company offers 24/7 claims support and a network of 15,000 contractors who can respond to claims in as little as 12 hours. Both of the company’s warranty plans cover your AC unit and heating system.

Why we chose The Home Service Club: The Home Service Club offers service fees as low as $65 and includes a 90-day workmanship guarantee with every repair. You can get up to $9,000 in coverage per year.

Our experience: We found that The Home Service Club responded faster to claims than many of its competitors. The company has a 4-star rating on Trustpilot.

Pros:

  • Very fast service response times

  • Extended warranty on repairs

  • Low service fees

Cons:

  • Premiums are higher than average

  • Only two warranty plans to choose from

Read the full The Home Service Club review

Home Service Club Home Service Club Visit Site

9. HomeServe USA

Specialized home warranty plans with a one-year service warranty

HomeServe USA


Best for: Homeowners who want an extended warranty on repairs

Annual premium: $560-$672

Service fee: $100

Number of plans: 12

Support: 24/7

HomeServe USA offers a wide variety of specialized home warranty plans that let you protect specific parts of your HVAC system. For example, the company has a standalone heating system plan, which can be nice if your home doesn’t have central AC. HomeServe USA also has several combo plans that cover your entire HVAC system.

Why we chose HomeServe USA: HomeServe USA guarantees all repairs for one year, which is much longer than most competing home warranty providers. The $100 service fee is somewhat pricey, but we think it’s worthwhile for the extended warranty.

Our experience: We really like the HomeServe USA app, which lets you make a claim in just a few taps. It also offers helpful maintenance checklists for your HVAC system.

Pros:

  • Industry-leading service warranty

  • Tons of plan options

  • User-friendly mobile app for making a claim

Cons:

  • Service fee is more expensive than average

  • Can be difficult to navigate all the plan options

Read the full HomeServe USA review

HomeServe USA HomeServe USA Visit Site

10. 2-10 Home Buyers Warranty

Home warranties with up to $25,000 in annual coverage

2-10 Home Buyers Warranty


Best for: Homeowners who want a high annual coverage limit

Annual premium: $239.88-$720

Service fee: $65-$100

Number of plans: 3

Support: 24/7

2-10 Home Buyers Warranty offers comprehensive warranty plans with high coverage limits. We especially like the optional HVAC pre-season service add-on, which covers the cost of annual maintenance to your heating and cooling systems. The company’s premiums are above average, but we feel the cost is worth it for the quality of the coverage you receive.

Why we chose 2-10 Home Buyers Warranty: 2-10 Home Buyers Warranty offers up to $5,000 in coverage for your HVAC system and $25,000 in overall coverage for your home each year. Most other home warranties limit you to $10,000 or less in annual coverage.

Our experience: We enjoyed using the company’s online Homeowner Portal, which lets you file and track claims. Service was fast, with an in-network contractor getting in touch in less than 48 hours after filing.

Pros:

  • Much higher coverage limit than average

  • Offers coverage for annual HVAC service

  • User-friendly online claims dashboard

Cons:

  • Premiums are above average

  • Basic plan does not include HVAC coverage

Read the full 2-10 Home Buyers Warranty review

2-10 Home Buyers Warranty 2-10 Home Buyers Warranty Visit Site

Our Methodology: How Did We Choose the Best HVAC Warranty Companies?

We did a deep dive into dozens of popular HVAC warranty companies to identify the top 10 providers. Our analysis looked at how much HVAC coverage each company offers, whether the plans are flexible, and how much coverage costs. We also considered factors like repair speed, customer service, how easy the claims process is, and more.

Here are some of the key criteria we considered in our reviews: 

  • HVAC coverage options and exclusions

  • Add-on coverage options

  • Plan pricing and flexibility

  • Service fees and guarantees

  • Contractor network

  • Number of states covered

  • Waiting period for coverage to start

  • Claims process and speed of repairs

  • Customer support

What To Consider When Choosing the Best HVAC Warranty

There’s a lot to think about when choosing an HVAC warranty plan. Here are some of the key factors to consider.

Appliances covered

Make sure the HVAC warranty you choose will cover your home’s heater, air conditioner, and ductwork. If you have especially old or complex HVAC appliances, it’s a good idea to double-check that they’ll be covered. Most companies offer a sample contract you can look at.

Coverage limits

Most home warranty policies limit the maximum amount they will cover for repairs or replacements in one year. Make sure your plan provides enough coverage for HVAC replacement costs in the event that you need a new air conditioner or heating system.

Optional add-ons

If you want to cover a heat pump, a water heater, thermostats, vents, or other items, you may need to purchase optional add-ons for your home warranty plan. Look for companies that offer the add-ons you want for your home.

Plan pricing

Pricing can vary widely for HVAC warranty policies. Many companies offer a discount if you pay annually instead of monthly. Some offer additional discounts for veterans or first responders. Be sure to compare coverage when comparing pricing.

Service fees

Most home warranty plans require you to pay a service fee when a technician comes to your house for a repair. This can range from $50-$150 per service call. Remember to take this into account when comparing warranty plan prices.

Claims process

Many home warranty companies now let you make a claim online. Some even have a mobile app to make the process more straightforward. Ideally, you should be able to make a claim 24/7, in just a few minutes.

Repair speed

A broken HVAC system can make your home very uncomfortable, so it’s important that repairs happen quickly. Look for companies that can typically get a technician to your home within one to two days of a new claim.

Workmanship guarantee

After a technician makes a repair, it’s usually guaranteed for 30-90 days. This means that if there’s an issue with the same appliance right away, you won’t have to pay the service fee again. Look for home warranty companies that offer labor warranties of 60 or 90 days.

Contractor options

Some home warranty companies allow you to use your own contractor for repairs, while others require you to use an in-network contractor. The benefit of an in-network contractor is that the warranty company will vet them. However, it can be more convenient to use your own contractor if you already have someone you trust.

Service area

Not all HVAC warranty companies are available in all 50 states, so make sure that the company you choose operates in your area. If your policy requires you to use in-network contractors, you should also check how many contractors are available within 25-50 miles of your home.

Tips for Maintaining Your HVAC System

A few basic maintenance tasks can greatly extend the lifespan of your HVAC equipment:

  1. Replace your air filters every three months. Otherwise, the filter can clog with dust, which strains your system.

  2. Clean your condenser. Your AC unit’s condenser enables it to disperse heat, but this can become less efficient if it gets covered in pollen and dirt. Wipe it down once a month during the summer.

  3. Clear the area around your AC. Weeds, tree limbs, and leaves can accumulate around your AC unit, forcing it to work harder to take in air and push out heat. Once a month, do a quick cleanup to remove any debris.

What HVAC Repairs Are Not Covered by a Home Warranty?

HVAC warranty policies only cover damage due to normal wear and tear. They won’t cover your HVAC system if the damage is due to a failure to perform routine maintenance. They also don’t cover pre-existing problems. Your HVAC system must be in working order when your warranty coverage starts.

An HVAC warranty also won’t cover your system against sudden damage, such as a tree falling on your AC unit. However, your homeowners insurance policy may cover that kind of accidental damage.

How Much Does an HVAC Warranty Cost?

A home warranty policy that includes HVAC coverage typically costs between $35 and $75 per month. At the lower end, policies may have lower coverage limits or higher service fees, so you’ll pay more if you do need to make a claim.

Pricing varies not only according to which company you choose but also where you live and the size and age of your house. Some policies also charge an extra $10-$25 per month to cover appliances like water heaters and heat pumps.

Other HVAC Warranty Services We Reviewed

We reviewed dozens of HVAC warranty services, and some worthwhile providers didn’t make our top 10. If you’re looking for coverage that our top 10 HVAC warranty companies don’t offer, check out these alternatives:


Couldn’t find what you were looking for? We have plenty of other reviews for you here.

We Thought You Might Find These Articles Interesting

An HVAC warranty is just one of the things you need to think about when it comes to taking care of your HVAC system. Here are some additional guides that can help you keep your house comfortable and save money.

Summary

Your HVAC system plays a crucial role in keeping your house comfortable during the summer heat and winter cold. An HVAC warranty ensures that when something goes wrong with your HVAC system, you can get it repaired quickly without a huge surprise bill.

All of our top 10 HVAC warranty companies provide affordable warranty plans with comprehensive system coverage and fast service. Check out our in-depth reviews to find the best HVAC warranty for your home today.

Frequently Asked Questions
What is home warranty for HVAC?+-

A home warranty policy covers repairs or the replacement of your home’s appliances if they stop working due to normal wear and tear. Many home warranty policies cover home systems and appliances, including your home’s heating and air conditioning appliances and ductwork.

What does a home warranty for HVAC cover?+-

A home warranty for HVAC covers your central heating system, central air conditioning system, and ventilation system, including ductwork. These policies cover damage due to routine wear and tear, which homeowners insurance doesn’t cover.

How much does a home warranty for HVAC cost?+-

A home warranty for HVAC systems can cost between $35 and $75 per month. You’ll also need to pay a service fee of $50 to $125 each time you make a claim. Some home warranty companies offer discounts if you sign up for an annual contract.

Are pre-existing conditions covered by home warranty for HVAC?+-

Most home warranty policies do not cover pre-existing conditions that affect your HVAC system or any other appliances. For your HVAC system to be covered, it must be working normally at the time your warranty coverage takes effect.

How do I file a claim under my home warranty for HVAC?+-

Most home warranty providers make it easy to file a claim online or over the phone. Many offer a 24/7 claims service, and some even have a mobile app.

Is home warranty for HVAC worth the cost?+-

Is home warranty for HVAC worth the cost? Yes, home warranty for HVAC can save you a lot of financial stress. HVAC repairs can be very expensive. If you have a home warranty for your HVAC system, you won’t need to pay a huge bill to repair or replace your HVAC system when it breaks down.

Can I get an emergency repair for my HVAC system?+-

Many home warranty companies can send a repair technician to your home within one day if there’s an emergency problem with your HVAC system.

Michael Graw
Michael Graw is a freelance writer specializing in finance, business, and tech who writes for Top10.com. His work has appeared in numerous well-known online and print publications, including Techradar, BestMoney, Business2Community, Day Trade Reviews, Pacific Standard, Fortune, Business Insider, and more.