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:
- Choice Home Warranty - Best HVAC warranty overall in 2024
- Select Home Warranty - Best for affordable pricing
- American Home Shield - Best for covering older HVAC systems
- Liberty Home Guard - Best for repairing complex HVAC systems
- AFC Home Club - Best for flexible coverage options
- First American Home Warranty - Best for fast claim resolution
- Advanced Home Warranty - Best for low service fees
- Home Service Club - Best for customer service
- HomeServe USA - Best for long service guarantees
- 2-10 Home Buyers Warranty - Best for high coverage limits
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
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
2. Select Home Warranty
Comprehensive warranty plans at affordable prices
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
3. American Home Shield
50-year-old home warranty company with 1.8 million members
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
4. Liberty Home Guard
Fast and reliable repair service in all 50 states
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
5. AFC Home Club
Choose from four customizable warranty plans
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
6. First American Home Warranty
Covers items regardless of age and offers a large contractor network
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
7. Advanced Home Warranty
Affordable warranty plans with low coverage limits
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
8. The Home Service Club
Comprehensive coverage and a 90-day workmanship guarantee
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
9. HomeServe USA
Specialized home warranty plans with a one-year service warranty
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
10. 2-10 Home Buyers Warranty
Home warranties with up to $25,000 in annual coverage
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
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:
Replace your air filters every three months. Otherwise, the filter can clog with dust, which strains your system.
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.
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.
