How to find the best home warranties for HVAC

Whether it is the depths of winter or the dog days of summer, one of the most important modern appliances in a home is your HVAC system. Temperature control is not only important for your own comfort, but depending on your features, it can also be critical in keeping your flooring, furniture and appliances in their best condition and working properly. Since HVAC systems are often very expensive to repair or replace, it is critical that you have one of the best home warranties for HVAC.

When researching home warranty coverage for your HVAC system, know that the warranty will extend beyond the manufacturer’s warranty. It also covers different issues than homeowners insurance will cover. For example, structural damage or the loss of your property due to theft or accidental damage, such as that caused floods or fires, will be covered under your homeowners insurance rather than your warranty. Most home warranties cover the components of a central air conditioning system and a heating system, like forced air (gas, electric, oil), wall heaters, water heaters and more. Additionally, most home warranty plans cover the ductwork and its components.

When shopping for the best home warranty for HVAC, make sure that you have a trusted provider that meets your needs. When it comes to purchasing a home warranty contract, there are some things you shouldn’t overlook:

• Keep receipts and records of your regular maintenance so you can prove that your appliances are breaking down due to wear and tear rather than negligence.
• There may be a waiting period for your coverage to begin. You may have to wait 30–45 days before your home warranty is valid.

At Cinch Home Services, we offer plans at affordable monthly rates that can give you the peace of mind that you have reputable service professionals ready to assist you if your HVAC system is acting up. This is the best home warranty for HVAC replacement on the market at a price that won’t break the bank.

How to find the best home warranty for a water heater

Since water heaters are both expensive and tricky to repair, having the best home warranty for water heater is essential in avoiding expensive repairs and replacement costs. When shopping for a water heater, you'll quickly realize that there's no shortage of options for you to choose from. For instance, there's a huge difference between searching for the best tankless water heater warranty or finding warranty protection for a traditional water heater that's larger in size.

It is important to examine your needs before making your purchase. Unlike other home appliances that can offer a 1-2 year extended warranty, water heaters typically provide much longer coverage options. From the best 40 gallon gas water heater 12 year warranty options to one that's even larger, you have to understand all of the possibilities before signing anything.

So before committing to your search for the best 50 gallon gas water heater 12 year warranty, make sure that your home is large enough to demand one of this size. If you are unsatisfied with the warranty options you find, or find that you need more, Cinch Home Services has monthly plans to give your water heater the protection that it needs so that your budget stays safe.

What is typically included in home warranty water heater coverage?

The good news is that most standard home warranty plans will cover your water heater. A warranty will provide you with coverage for all components and parts of your water heater, regardless of if you have a tankless water heater, hot water heater, electric water heater or gas water heater.

However, it is important that your water heater is continually maintained. If anything is not maintained well, then the warranty company may deem the repair or replacement ineligible. Maintaining and repairing your home’s water heater will not only ensure your home is comfortable — with hot showers and ample hot water for laundry and dishes — but it will also save you money on your utility bills by making sure your water heater is running efficiently. 

Along with the coverage of the parts and components of your heater, your home protection plan coverage should also include the plumbing system for your home. With this additional coverage, you ensure your home remains comfortable and your budget is protected from most breakdowns that may come your way.

How to find the best home warranty for an A/C unit

Although prices can vary by location and climate, even in a single-family home, the cost of replacing an A/C unit can be anywhere from $399 to $5,880. For most of us, that is a bill that can put a dent in your family budget and plans for the year. The life expectancies of A/C units can be extended by regular service and maintenance.

When you are looking for the best A/C warranty plan, make sure to ask about options and the cost of maintenance services in addition to repair and replacement protection to avoid the inconvenience and expense of an A/C unit that isn’t keeping your home cool. At Cinch Home Services, we’re here to help with a variety of monthly plans and service options that will keep you cool at a rate that fits within your budget while providing the coverage that your A/C unit needs so that you can sleep soundly.

What does a home warranty cover on an A/C system?

A home warranty provides coverage for the breakdown of air conditioning system parts and components if they break down due to normal wear and tear. A home warranty will usually include all the components of a covered A/C system, including

• Ducted central electrical split or package systems
• Geothermal system
• Mini-splits
• Evaporator coil
• Compressor
• Blower motor
• Ductwork coverage (including leaks or breaks in the ductwork, plenums, dampers and damper-only controls)

No matter what your home warranty coverage stipulates, your items may be deemed ineligible if they are not properly maintained. This means that it is important to regularly assess whether your A/C system is running at full efficiency.

When an air conditioning system is not covered under home warranty

When considering home warranty coverage for air conditioners, it is important to determine the root cause of the problem as that will determine where financial coverage might apply.

For example, if you purchase a new A/C system and it had faulty wiring, then you would reach out to the manufacturer or HVAC company that you are working with to seek  manufacturer’s warranty coverage. If the A/C system failed before the home warranty coverage went into effect, it would be deemed to be defective and not eligible for coverage under a home warranty company.

This also applies to accidental or environmental damages to your HVAC system or air conditioner. If your air conditioning system electrical connection is fried because of a power grid surge, then your homeowners insurance would be able to determine whether coverage can be applied or not.

Since there are several different types of air conditioning systems, note that not all types can be covered under a home warranty. For example, stand-alone air conditioner units are not usually covered under your standard home warranty plan. A home warranty company might not be able to cover an older HVAC system or an A/C system that is not up to code as the parts are no longer manufactured.

There are some components of an air conditioning system that are exempt under home warranty coverage. A home warranty company will not be able to cover when the HVAC system needs to be updated to the code if it has rust or if it is not properly maintained.

Discover the Cinch home warranty plan that’s perfect for you

Carefully evaluating your choices based on the coverage you need will help you pick the best overall home warranty plan for you. A close look at the service agreement can help you determine the home warranty plan that best suits your needs.

Cinch is here to provide customers with the home services warranty they seek to protect their home. No one wants to worry about their heating system going out in the middle of winter, and we’re here to help as a top home warranty option.