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Old HVAC Units: Do Home Warranties Cover Them?

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Unless you bought a brand new or recently renovated home, you’re likely relying on used appliances and home systems. Since the life expectancy for appliances and home systems can range from a few years to several decades, it’s common for an older home to have an equally old HVAC unit.

Naturally, nothing lasts forever, and few things are more devastating than the failure of an older HVAC system. This holds especially true in months with extreme hot or cold weather.

As a result, it’s essential you do all you can to keep your home, family, and wallet protected. One way to ensure you’re always covered in case of an older HVAC unit failure is with a home warranty.

Can a home warranty cover an old HVAC unit?

Yes. A home warranty can cover an old HVAC unit. It can even cover your entire HVAC system.

With Select Home Warranty, both our Gold and Platinum Care plans feature coverage for your A/C, cooling, and heating systems. We even cover ductwork!

What’s considered an “old” HVAC system?

The answer may depend on who you ask, but some experts say an HVAC unit will last you 10 to 15 years. Conversely, many sources suggest you can expect a far more optimistic 15 to 25 years (or longer) provided your system is properly checked, cleaned, and maintained.

When considering how to prevent a home appliance breakdown, the age of your appliances and systems comes into question. You might be wondering if their age affects the terms of your home warranty coverage. As such, you may feel hesitant to purchase a home warranty, fearful that your current appliances or home systems won’t be covered.

Good news! Select Home Warranty covers your home systems and appliances regardless of age. It doesn’t matter how old they are. This makes a home warranty a great investment, particularly for someone who depends on older systems and appliances to run their home.

How much does a new HVAC system cost?

As of 2022, HomeAdvisor estimates a new HVAC system’s average cost to fall between $5,000 and $10,000. Of course, this total can vary. Factors such as the size of your home, labor costs, and the equipment you’re installing may result in a higher or lower sum.

Either way, that’s no pittance. Replacing an HVAC system is clearly expensive, and few are prepared to take on that kind of financial burden unexpectedly. Homeownership is already costly, plus other projects may be at the top of your “to do” list.

Sadly, since HVAC systems are so critical to the wellbeing of your home and everyone in it, repairs are often urgent when you need them, regardless of how costly they may be.

On the bright side, you can easily offset the costs of repair or replacement with a home warranty.

What’s the best home warranty for an old HVAC system?

As mentioned, if you’re looking to cover your home HVAC system through Select, you want our Gold or Platinum Care plan. Beyond your HVAC system, these plans also feature coverage for plumbing systems, electrical systems, and water heaters. 

That said, if you want the most comprehensive coverage, choose the Platinum Care plan. It also protects your home appliances, including your refrigerator, cooktop, dishwasher, clothes washer and dryer, and more.

What happens if my old HVAC system can’t be repaired?

If you have an issue with your older HVAC unit or notice signs of HVAC system failure and are covered by Select, submit a claim. We’ll send a local technician to diagnose and repair the issue.

  • If the system can be repaired, consider those repair costs covered.
  • If the system can’t be repaired, we’ll cover the costs for replacement.

All you have to pay is a mild service fee. It doesn’t get any easier than that!

What should I consider when covering an old HVAC system?

Here are some things you need to know that are common to any home warranty contract with HVAC coverage for existing systems.

1. Coverage starts after 30 days.

When you sign up for home warranty protection with Select Home Warranty, there is a grace period of 30 days after we receive payment before your coverage begins.

2. Keep track of previous repairs.

When a problem occurs with your home appliances and systems, whether it is your refrigerator, HVAC unit, sprinkler system, or pool, make sure you have any documents relating to previous repairs ready.

Why is this important? Select Home Warranty will request these records for the history of the asset to provide coverage for repairs or replacements.

What other old appliances and systems can a home warranty cover?

Select Home Warranty covers all appliances and systems detailed in the terms of your coverage plan. That means you don’t have to worry about the age of your appliances to have them repaired or replaced in accordance with your agreement.

When signing up for a home warranty plan, select all the areas of your home requiring uptime. Choose your standard appliances, including your clothes washer and dryer, stove, cooktop, dishwasher, built-in microwave, and garbage disposal.

Next, choose your home systems. You can include your HVAC or other cooling system, heating system, water heater, plumbing system, ductwork, and even your electrical system.

There’s also supplementary coverage you can add to your plan. This includes add-on protection for your pool or spa, roof, sprinkler system, well, freezer, and more.

No question, the cost of a monthly home warranty payment is worth it when compared to how expensive repairs for these home systems and appliances can be. While anyone can benefit from the advantages of a home warranty, homeowners can continue to use their appliances and home systems regardless of age.

It’s an opportunity to feel completely confident knowing you’re covered in case of a malfunction or breakdown.

If you’re interested in comparing home warranties, sign up for a no-commitment FREE quote today. Select Home Warranty is here to shield your home and your wallet. You can always call us with your questions at 860-288-4791.