Only if the loss is a sudden accident will homeowners insurance pay. When they do, homeowners insurance usually pay. When appliances in the home wear out, homeowners insurance does not pay. This general rule applies to furnaces and air conditioning units. The reason for replacement dictates whether insurance companies pay claims. Insurance pays when a tree falls in a storm and strikes an outdoor unit. Insurance does not pay when the same unit stops working after 10 years. Typical Homeowners Insurance Insurance companies offer three standard homeowners insurance policies known as HO-1, HO-2 and HO-3. HO-1, which is seldom used, is a basic policy covering 11 perils such as fire, windstorm and theft. The typical policy is either HO-2, which covers the same 11 perils plus 7 more, or HO-3, which covers most perils including those 18. Both provide the same coverage, or non-coverage, for furnaces and air conditioning units. Wear and Tear Wear-and-tear does not make the list of perils covered under the typical homeowners insurance policy.

Furnaces and air conditioning units wear out. Constant use of the parts leads to unit failure. Parts must be replaced, and eventually so does the unit. Homeowners insurance does not pay for these losses. Accidents An outdoor unit like a heat pump is susceptible to wind and storm damage which is among the listed perils of a homeowners insurance policy. how much to replace stolen ac unitBesides fallen trees, high winds toss objects through the air and tear parts of a home loose. inside wall ac unitAny of these striking the unit could damage it too much to be repaired. in room air conditioning units reviewsThe homeowner would be entitled to a new heat pump. Sudden Occurrences Homeowners insurance pays when pipes freeze. If this happens to a furnace or air conditioning unit, the homeowner has a valid claim.

Electrical surges, a covered peril, damage wiring which could require the replacement of a furnace or air conditioning unit. Another covered peril is the sudden cracking or breakup of hot water pipes. That occurrence could lead to a new furnace. Alternatives An alternative, or more precisely, additional coverage for a homeowner involves buying equipment breakdown coverage. This policy covers the gap in homeowners insurance for general wear and tear. Furnaces and air conditioning units, among other items, are specifically covered. The policy covers repairs if feasible to keep the unit operational. It also pays to replace the unit if the repair costs exceed the reasonable value. : Home Insurance BasicsLiberty Mutual Insurance: Home Insurance CoveragesAmPmInsure: Water Leak Damage: Will You Be Covered?As one of the most important investments and pieces of equipment in your home, it pays to keep track of just how efficiently and effectively your warm air oil or natural gas furnace is running.

You need to know when to replace it before it costs you more in repairs than a new purchase or if it becomes unsafe. healthy home environment requires an energy-efficient and safe heating system. that heats the home without using large amounts of energy and that doesn't endanger the indoor air quality. How do you know when it's time to consider getting a new furnace? If your oil or natural gas furnace is 12 years old or younger, and has been properly maintained, you shouldn't need to worry about replacing your unit just yet. you should spend some time and money to improve the energy-efficiency in other areas of your home and ensure that you perform regular, proper maintenance of your furnace to keep it lasting longer. "Warning signs" of a failing furnace. It is important to be aware of some warning signs from your oil or natural gas furnace that indicate it may need replacing. It is especially important not to wait untilA cold, snowy winter night with a failing or faltering furnace is

not the time to assess your heating system. It pays to be prepared and information is the key to making a wise decision. Below are some "warning signs" that it may be time to consider replacing your furnace. Of course, not all of them may apply to your particular equipment but you may use them as a general rule of thumb to gauge just how much life left you have in your furnace:* 1. How old is your furnace? A good place to start is to compare your oil or natural gas furnace age to the nationalThe average life expectancy of furnaces in homes today is between 16 andIf your furnace is close to this age or older, you should begin shopping. Shopping for a replacement furnace in an emergency does not allow time for you to make your best decision. Most people prefer to replace their furnace as a planned home improvement rather than a panic replacement when your furnace is faltering or has already failed.The typical lifespan of a warm air furnace will vary based

on its operating environment, that's why it's important to have the system serviced regularly by a qualified technician. They will be able to properly assess the condition of the furnace and make any recommendations. 2. Are your energy bills going Rising energy costs are not the only reason for high bills. their efficiency as they age, especially if they have not been properly maintained. As a result your oil or natural gas furnace may run longer to provide the same amountThis will cause your energy bills to go up. And, all of the money you pay your energy utility companies every month could be used to help you pay for a new, much more energy-efficient and energy saving furnace. 3. Have you had any furnace repairs in the last 2 years?As they age, you can replace one part only need another part replaced or repaired next year. It doesn't take long to spend $500 just to keep an old oil or natural gas furnace running. Furnaces incur the most breakdowns

in the last 2 years of their lives. Another repair sign is whether you had to wait to get parts replaced. As a furnace ages, it gets harder to source replacement parts. Waiting that can be really cold on a below zero night.Or are you always trying to adjust your thermostat to make your home more comfortable? This is a sign that your furnace lacks the ability to properly distribute the air to keep you comfortable 5. If you have a natural gas furnace, is your burner flame yellow instead of All heating systems run the risk of carbon monoxide emissions. older chimney-vented oil-fired furnaces don't necessarily face the same safety concerns posed by natural gas and propane, since oil-fired boilers and forced-air furnaces tend to be much less likely to produce carbon monoxide. Because they were built like tanks and require regular annual maintenance and cleaning by a qualified service technician, many of these units hum along safely and reliably for decades.

do have a natural gas or propane furnace, a yellow or flickering flame may be a sign that poisonous carbon monoxide could be created by your furnace. signs of carbon monoxide are: Always be mindful and monitor your furnace for any of the signs noted above and always make sure to have carbon monoxide detectors on every floor of your home, particularly close to your furnace room. 6. How have you and your family been feeling? Furnaces as they age run the risk of developing cracks in the heat exchanger insideCarbon monoxide, if present, could leak into your home undetected. Signs of this may be frequent headaches, a burning feeling in nose or eyes, nausea,Should you experience any of these, air out your house, open a window to the furnace room and immediately call a service technician. Cracks in the heat exchanger can occur undetected which is why no one advises waiting7. Is your furnace making strange noises? Old furnaces often start to make some strange noises as they get toward the end

Have you heard any banging, popping, rattling, or squealing noises coming from your furnace? Another noise is when you hear the furnace blower runningDoes your blower turn on and off frequently or does it blow cold airIf so, this is a sign that your furnace may need to be replaced. 8. Is your house dry or dusty? Old furnaces often lack the ability to moisturize and clean the air in your home. Your house air may feel stuffy or stale. Does anyone in your family suffer from allergies to airborne dust, mold, pollen, viruses or dander? Or does anyone suffer from dry nose, dry throat, or dry skin? Other signs may be frequent dust accumulation, static shocks, drooping plants, furniture cracking and musical instruments that do not stay in tune. These may seem like trivial and somewhat silly observations but all suggest that your old furnace is not capable of providing you with the comfort you and your family may want and need. Poor indoor air quality may also not be associated

with on old furnace, poor ventilation and other reasons can cause it, too. contact us to have one of our service technicians assess your situation as we may have other air quality services and solutions for you. If any of these "warning signs" apply to you, it might be time to consider the purchase of a new furnace. Think you need a few furnace? It may end up helping you save! It's a fact that a new furnace for your home is one of the more substantial costs involved in home ownership. But, it should also be seen as a long-term investment. All of the latest furnaces are much more energy-efficient than those installed evenSo, while it may seem like a short-term larger expense, a new, more energy-efficient home heating system will more than likely save you money in the longer-term by lowering your annual energy costs. We've got the furnaces you need to help you save. By installing a new home furnace or heating system from Petro you'll improve your

home's value, enjoy fast installation and professional training on your new heating system and qualified customers can take advantage of some great financing options. Count on us for all of your furnace maintenance and repair needs. Whether you need to maintain the furnace you have or need to protect the investment in a new furnace purchase, the right service plan makes all the difference. multiple service contract and protection plan options provide the tune-up, repair and maintenance services required to protect your furnace investment. by around the clock service and support - in any weather Think you need a new furnace? Have one of our technicians assess your current furnace. Make sure your current furnace is operating efficiently by scheduling a tune-up. Should you repair or replace your furnace? (infographic) › Start saving today by installing a new, energy-efficient home heating system › Take advantage of special offers on heating systems ›