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Heating and Cooling System Coverage

30 Day Money Back Guarantee

  • Why You Should Get a Plan

    Most heating and central A/C components cost $300-$700 to replace.*

    How a heating and cooling system failure can affect your home:

    • freon or coolant leak can prevent cool air from flowing into your home
    • circuit board failure can cause the breaker to keep tripping
    • blower motor failure can mean the system won't supply enough heat
    • a bad condenser can cause the fan to blow but not cool

    As a homeowner, you may be responsible for the heating and cooling systems in your home. Your heating and cooling systems are complex and can weaken over time due to damage caused by normal wear and tear, age or lack of regular maintenance. Heating and cooling systems require a specialized HVAC technician for repairs, which can cost hundreds of dollars.

    *National average repair costs within the Home Emergency Insurance Solutions network as of March 2018. No charge for covered repairs.

  • What's Covered
    • Capacitors and circuit boards
    • Internal fuses or breakers
    • Condensate pumps
    • Condenser motor and fan
    • Contactor switches and delay timer
    • Fan controls, relays and filter dryer
    • High and low pressure switches
    • Limit controls
    • Refrigerant (excluding maintenance recharges)
    • Relays, transformers and valves
    • Standard thermostats, transformers and wiring/circuity
    • Blower bearings, belts, pulleys, motors, shafts and controls
    • Standard air filters and spark ignitors
    • Capacitors, equipment fuses and low pressure regulators
    • Disconnect fan, limit and rollout switches
    • Main and pilot burners, pilot burner generators and thermocouples
  • Benefits
    • $2,400 annual benefit amount
    • Cooling System Coverage: Multiple service calls up to annual benefit
    • Heating System Coverage: Multiple service calls up to annual benefit
    • 30-day wait period with a money-back guarantee
    • One-year guarantee on all covered repairs
  • Overview

    A lot can go wrong with the heating and central air conditioner systems in your home. Drains can clog, motors can burn out, fuses can blow, and improper settings can mean your system runs too often, leading to higher energy costs and wear and tear. It may be your responsibility to keep your HVAC system functioning properly. Let a repair plan from Home Emergency Insurance Solutions help protect you from the expense and bother of emergency home repairs.

    Eligible homeowners can select the Heating and Cooling Plan, which provides up to $2,400 in total maximum annual benefit for cooling system and heating system coverage with multiple service calls. This optional coverage can help protect you from the high costs of covered repairs.

Important coverage information

Eligible

  • A single structure or a single unit within a structure, owned by you, used and zoned only for residential occupancy that is not intended to be moved
Additional limitations apply. See more. See less

Not Eligible

  • If you are aware of any pre-existing conditions, defects or deficiencies with your heating or cooling system prior to enrollment
  • Recreational vehicles or homes on wheels and properties used for commercial purposes
Additional limitations apply. See more. See less

Exclusions

  • Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Heating System: Air scoops, registers, air filters; zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, air balancing, chimney maintenance or repairs, heating jacket, asbestos or other insulation; heat exchangers, leaking boilers, boiler distribution piping, radiators. Cooling System: Air ducts, A/C coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, metering systems/TXV valves, thermostats or thermostat wiring. Additional exclusions apply.
Additional limitations apply. See more. See less
Eligibility: An owner of a residential single structure, or a unit within a structure, that is not intended to be moved may be eligible for coverage. If you do not buy a plan for every heating or cooling system you own, you must designate at enrollment the system(s) your plan covers, or the plan will cover the first system(s) for which you make a service call. If you own a multi-family home or multiple housing units, you must provide the specific mailing address for each service agreement you purchase. You are not eligible if your property is used for commercial purposes; you know of any current problems with your system(s) before enrollment; your system(s) is shared with a 3rd party or covered by a homeowners' association or the like; if you have a furnace or boiler rated at inputs of 400,000 Btu/hr. or more; or a rooftop, through-the-wall, hanging, geothermal heat pump, combination ambient heat/domestic hot water heating or oil unit; or if your cooling system uses refrigerant other than R-22 or similar, R-410a or has non-compliant components; capacity exceeding 5 tons; or is an ammonia cooling, window, through the wall, hanging, geothermal heat pump or combination ambient heat/domestic hot water heating unit; or is not installed according to manufacturer specifications.
Benefit Details: Coverage provides, up to the applicable benefit limit, to repair or replace the following natural gas, propane, electric central forced-air or circulating hot water central heating system and electric central air conditioning system parts for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence: Heating System: air scoops, aquastat, barometric damper, belts, pulleys, blower motors, blower assemblies, circuit boards, circulators, ECO safeties, fan controls, limit controls, fusible links, gas valves, ignition controls, induced draft motor, blower, low water cutoff, main burners, pilot burners, pilots, thermocouples, pressure switches, regulator valves, relays, spill switches, and transformers. Cooling System: Capacitors, circuit boards, internal fuses, breakers, condensate pumps, condenser motor, condenser fan, contactor switches, delay timer, fan controls, fan relays, filter dryer, high and low pressure switches, limit controls; refrigerant, relays, transformers, and valves.
Not covered: Damage from accidents, negligence or otherwise caused by you, others or unusual circumstances. Heating System: Air ducts, registers, air filters; zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, air balancing, chimney maintenance or repairs, heating jacket, asbestos or other insulation; heat exchangers, leaking boilers, boiler distribution piping, radiators. Cooling System: Air ducts, A/C coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, metering systems/TXV valves, thermostats or thermostat wiring. Additional exclusions apply.
Making a Service Call: Your plan starts the day your enrollment is processed. There is an initial 30-day waiting period before you can make a service call, providing 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), there is no waiting period.
Cancellation: Cancel any time by calling Home Emergency Insurance Solutions. If you cancel within 30 days of your start date, you will get a full refund (less claims paid, where applicable). Cancellations after the first 30 days will result in a pro-rata refund (less claims paid, where applicable).
Renewal: The plan is annual. Unless you cancel, your plan automatically renews annually at the then-current renewal price with your same payment terms.

Frequently asked questions

When can I make a service call?
Your plan starts the day your order is processed, and there is an initial 30-day waiting period before you can make a service call, giving you 11 months of coverage during the first year. Upon renewal/reactivation (if applicable), you will not be subject to a waiting period.
What's covered?
Coverage provides, up to the applicable benefit limit, to repair or replace the following natural gas, propane, electric central forced-air or circulating hot water central heating system and electric central air conditioning system parts for which you have sole responsibility, that are damaged due to normal wear and tear, not accident or negligence: Heating System: air scoops, aquastat, barometric damper, belts, pulleys, blower motors, blower assemblies, circuit boards, circulators, ECO safeties, fan controls, limit controls, fusible links, gas valves, ignition controls, induced draft motor, blower, low water cutoff, main burners, pilot burners, pilots, thermocouples, pressure switches, regulator valves, relays, spill switches, and transformers. Cooling System: Capacitors, circuit boards, internal fuses, breakers, condensate pumps, condenser motor, condenser fan, contactor switches, delay timer, fan controls, fan relays, filter dryer, high and low pressure switches, limit controls; refrigerant, relays, transformers, and valves.
What's not covered?
Damage from accidents, negligence or otherwise caused by you, other or unusual circumstances. Heating System: Air ducts, registers, air filters, zoning components and electronics, electronic air cleaners, flue venting, humidifiers, thermostats, air balancing, refrigerant for maintenance recharges, chimney maintenance or repairs, heating jacket, asbestos or other insulation; heat exchangers, leaking boilers, boiler distribution piping, radiators. Additional exclusions apply. Cooling System: Air ducts, a/c coils, registers, grills, asbestos coverings, balancing of system, wiring and parts external to the unit, compressors or chillers, condenser casings, condenser coils, evaporator coils, metering systems/TXV valves, thermostats; thermostat wiring. Additional exclusions apply.

HomeServe NA Insurance Services (“HomeServe”), also known as Home Emergency Insurance Solutions, California License #0F79326, with corporate offices located at 601 Merritt 7, 6th Floor, Norwalk, CT 06851, is an independent company separate from California Water Service and offers and administers this optional home protection plan as an authorized representative of AMT Home Protection Company, 800 Superior Avenue, Cleveland, Ohio 44114, the protection plan issuer.

Heating and Cooling System Coverage for only $17.99/mo.

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