How to Get Your Home Warranty to Replace AC Unit and Avoid Costly Repairs

A home warranty can be a lifesaver when your AC unit breaks down, but only if you know how to get it to cover the replacement costs. This means understanding the terms of your warranty and what's covered.

To get your home warranty to replace your AC unit, you'll need to check your policy to see if it includes coverage for HVAC systems. Most home warranties do, but it's essential to confirm.

If your warranty does cover AC units, you'll need to follow the proper procedure for filing a claim. This typically involves submitting a service request and providing documentation of the issue.

Your home warranty provider will then send a technician to assess the damage and determine if the AC unit needs to be replaced.

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A home warranty is essentially a safety net for your home's major systems and appliances, including your air conditioner.

Your home's air conditioner is a crucial component, especially during hot summer months.

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An HVAC system's typical lifespan is ten to fifteen years, and the closer it gets to its end-of-life expectancy, the higher the chances it may quit altogether.

With a home warranty plan, you can have air conditioning coverage that will replace the unit if it cannot be repaired, costing you only a small service call fee.

Liberty Home Guard offers a central air conditioning protection plan that provides professional help just a phone call away, without draining your bank account.

You can call Liberty Home Guard at (866) 699-4589 to ask about coverage for your HVAC unit and avoid being caught without AC this summer or heat this winter.

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Choosing the right provider is crucial when it comes to getting your home warranty to replace your AC unit. The average home warranty cost for a plan with HVAC coverage is $66 per month, according to quotes from providers across the country.

Research potential providers, checking online reviews to gauge their reputation and customer service. The Better Business Bureau ratings for the home warranty companies listed are accurate as of March 2025. Consider the coverage extent and cost of the deductible and service call fee.

If you're looking for a provider with a good reputation, consider Choice Home Warranty, which has a B rating from the Better Business Bureau and offers a best value for coverage. Alternatively, you could opt for American Home Shield, which has a B rating and is best for comprehensive coverage.

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Choosing the right provider for your home warranty is crucial. You want to make sure you're getting the best coverage for your money.

The average home warranty cost for a plan with HVAC coverage is $66 per month. This is a significant expense, so it's essential to research and compare different providers.

Consider the coverage extent and cost of the deductible and service call fee. Some providers, like Choice Home Warranty, offer a premium coverage upgrade that levels up your HVAC coverage.

Choice Home Warranty is our top pick for a home warranty with HVAC protection, with a monthly cost of $47-$55. American Home Shield offers comprehensive coverage, but their monthly cost ranges from $23-$95.

Old Republic Home Protection offers high coverage limits, but their monthly cost is $57-87. Home Warranty of America is best for real estate professionals, with a monthly cost of $46-$60.

Here are some key points to consider when selecting a provider:

Requesting an inspection by a certified technician is a crucial step in choosing the right provider. This determines any existing malfunctions that need attention before coverage is granted.

You'll want to request an inspection as soon as possible after choosing your provider and plan. This ensures you're aware of any issues that may affect your coverage.

Providing documentation such as receipts and service records is also essential. This proves regular maintenance of your HVAC systems, which can impact your coverage.

Make sure to gather all relevant documents, including receipts for any recent repairs or maintenance. This will help you demonstrate your commitment to keeping your systems in good working order.

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A home warranty can be a lifesaver when your AC unit breaks down. Most home warranty plans cover costs of AC repair or replacement due to standard wear and tear or mechanical faults.

However, there are exclusions to be aware of. Pre-existing conditions, improper installation, or maintenance issues are usually not covered. Additionally, secondary components like filters or ductwork might not be included.

It's essential to read your warranty plan in detail to understand what's covered and what's not. Some plans may exclude portable units, window air conditioners, air filters, belts, collapsed or clogged ductwork, and improper installation or maintenance.

The cost of repair or replacement without a home warranty can be steep. According to the national average, repairing an air conditioning unit can cost anywhere from $75 to $1,981.

Here's a breakdown of the average charges you can expect to pay without a warranty:

To make the most of your home warranty, choose a reputable provider that offers comprehensive coverage for your AC unit. Some popular options include American Home Shield, Choice Home Warranty, and Select Home Warranty.

The average cost of a home warranty is between $25-$50 a month or $300-$600 a year. You'll also need to pay a service fee, which typically ranges from $75-$125.

You have the option to customize your payment plan with some home warranty companies. This can help you choose a plan that fits your budget.

Here are some costs to consider:

Keep in mind that the cost of a home warranty can be offset by the potential savings of not having to pay for expensive repairs or replacements, such as a new AC unit which can cost around $5000.

You can typically get HVAC coverage with a home warranty, but age limits depend on your provider.

American Home Shield is a good option for homeowners who have an older or under-maintained HVAC, as the company extends coverage regardless of a system's age.

If you have an older system, it's worth looking into American Home Shield for your home warranty needs.

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The cost of repairing or replacing your HVAC system without a home warranty can be steep. The national average to repair an air conditioning unit is $374.

You can expect to pay between $75 and $180 for troubleshooting service charges. Repairing or replacing individual components can cost anywhere from $90 to $1,800.

Here's a breakdown of the average charges for common AC repairs:

Replacing your entire HVAC system can cost around $5,000, which is a significant financial burden.

American Home Shield offers three types of pricing plans with additional add-ons, allowing you to build your own plan with coverage for the appliances and systems you want.

Choice Home Warranty offers two types of plans – Basic and Total – and guarantees a response within 48 hours to its customers.

Select Home Warranty is affordable, averaging around $41–$47 per month, and offers two months of coverage free of cost when you first sign up for the plan.

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AFC offers four plans: a Systems plan, a Silver plan, a Gold plan, and a Platinum plan with optional add-ons, providing customizable coverage and a guarantee for parts and labor for the entire duration of the plan.

Choice Home Warranty does not have any restrictions regarding the age of your appliances, offering a 90-day repair guarantee, and covers air conditioning, heating, plumbing, electrical, and roof as part of their plans.

AFC allows you to choose the technician of your choice, which is a plus point, and offers emergency alert network services and 24/7 customer support service.

Select Home Warranty's plan includes coverage for the heating and air conditioning system, and their no-exclusion feature on some appliances is a unique benefit in the industry.

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Regular maintenance is crucial to extend the life of your AC unit and prevent premature breakdowns. Poor maintenance can lead to high utility bills and damage to major parts of the unit.

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You should have regular AC tune-ups in spring and fall to check for refrigerant leakage and if any part requires extra lubrication. Don't forget to clean your air filters after 250 hours of usage and replace them every three to four months.

If you have mini-splits or other room air conditioners, you can use Cielo Breez mini-split thermostats to get helpful reminders when the next filter cleanup is due. This can help you stay on top of maintenance and prevent issues.

Regular maintenance is also crucial for your home warranty plan. Home air conditioner warranty coverage requires that you maintain HVAC equipment for due coverage under a warranty contract.

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You should purchase a home warranty because it's an affordable way to protect your appliances against any unpredictable breakdown, leaving your savings and emergency funds untouched.

HVAC breakdowns can result in some of the most expensive home repair bills, with average costs ranging from $130 to $2,000 depending on the issue.

A home warranty can help mitigate these costs by saving you from paying out-of-pocket for unexpected breakdowns, making it a smart investment for homeowners with older systems.

Only you can decide if a home warranty is worth it for HVAC coverage, but considering the potential costs of repairs, it's definitely worth exploring.

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