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Air Conditioner Home Warranty Coverage vs. Air Conditioner Insurance

Paul Cody Hillel
Paul CodyPublished July 31, 2020
Air Conditioner Home Warranty Coverage vs. Air Conditioner Insurance

High temperatures are a welcome part of summer if you have the opportunity to steal to the beach or pool. The heat isn’t so welcome when it means your home is hot and stifling, even after the sun has set.

An air conditioner is an indispensable amenity of modern life. For populations more vulnerable to the heat, an air conditioner isn’t only a matter of comfort—it’s a matter of health. Because there’s always the chance that an air conditioner can cease to function in the middle of a hot spell, homeowners need a convenient and affordable way of replacing it.

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Does Home Insurance Cover AC Repair?

When it comes to repairing things around the home, most people’s minds jump to homeowner’s insurance. In reality, however, the scope of what insurance policies cover is quite limited.

Policies of course differ from provider to provider, but insurance generally covers damage to the home that occurs due to weather, catastrophic events, vandalism, and theft. This means an average insurance policy may cover the replacement of an air conditioner unit lost to a home fire, but it won’t cover the replacement of a unit that conks out after years of general wear and tear.

So, what other recourse does a homeowner have to replace an air conditioner without dipping into savings or paying on credit? The answer is home air conditioner warranty coverage.

What Is AC Home Warranty Coverage?

You can think of a home warranty as a way of filling in the gaps in coverage left by insurance. Good warranty agreements will cover the repair or replacement of systems and appliances around your home, even when they fail due to age or general use.

It’s hard to understate the value of warranty coverage. Some of the primary benefits include:

  •        Savings. Powerful AC units can easily run into thousands of dollars. Repair costs range from just a couple hundred dollars to over a thousand, depending on the parts and labor required. An air conditioner home warranty can be a fraction of that cost, ultimately saving you money.
  •        Convenience. Repairing major systems and appliances around the home is a hassle. Warranty coverage can minimize your frustration. Warranty providers have networks of professional technicians. They can arrange to have a repairperson visit your home so you don’t have to.
  •        Reassurance. The number of things that can go wrong in a home—and the cost involved with tending to them—can keep a homeowner up at night. Warranty coverage goes a long way to alleviating that worry.

If your air conditioner is relatively new, you might even already have coverage through a manufacturer’s warranty. If that coverage has run out, it’s possible to purchase a home warranty new for air conditioner units exclusively, but it usually makes more sense to bundle air conditioner coverage with coverage for other things in your home.

HVAC warranty plans, for example, will cover not just your home air conditioner, but also your home heating system, ventilation, and ductwork. Even more expansive plans, such as Liberty Home Guard’s System Guard plan, add coverage to plumbing and electrical systems.

Home warranties can also cover other important home appliances, such as refrigerators, ovens, and more. It makes sense to purchase one of these more comprehensive plans because you get much more for your money.

Stay Cool with Liberty Home Guard

Reach out to learn more about how you can keep your home comfortable and functional year-round. Use our website for a free quote, or call us at (866)-809-0507.

Home Warranty PlansPublished July 31, 2020

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