It’s every homeowner’s nightmare—an unseasonably warm or cold spell hits, and your HVAC system sputters to a halt just when it’s needed most. These repairs and replacements can be expensive, and homeowners insurance won’t cover them outside of a natural disaster or another catastrophic event.

While home warranties offer coverage for more than just HVAC systems, heating and cooling systems are often a homeowner’s primary concern. To learn how a home warranty can offset some or all repair or replacement costs, read our review on the best home warranties for HVAC systems.


Top 5 Home Warranty Companies for HVAC Systems

After comparing national home warranty providers, here are the companies that came out on top in terms of HVAC coverage:

American Home Shield

American Home Shield wins our top spot because it’s a well-established company with half a century of experience and availability in 49 states. You also get to customize how much you pay with the provider’s choose-your-own service fee policy.

American Home Shield HVAC Coverage

American Home Shield doesn’t have a dollar limit on the covered components of air conditioners, minus geothermal units, which have a $1,500 limit. Ducted central air conditioners, wall units, and mini-splits are all covered as well as plenums, dampers, and leaks or breaks in ductwork. American Home Shield will also pay up to $10 per pound per occurrence for refrigerant.

When it comes to heating systems and ductwork, American Home Shield has a coverage limit of $1,500 per covered item instead of for the whole system. The company also covers damage that other providers don’t, including damage from rust, corrosion, or sediment.

American Home Shield Plans and Pricing

American Home Shield does have a systems-only plan, but you can purchase ShieldGold™ or ShieldPlatinum™ to receive more coverage and additional benefits. You can choose a $75, $100, or $125 service fee, with a higher service fee resulting in a lower monthly premium.

American Home Shield Plan Prices

Plan$75 Service Fee$100 Service Fee$125 Service Fee

Get a free quote from American Home Shield by filling out this quick form.

Learn More: American Home Shield Review

Choice Home Warranty

Choice Home Warranty is another popular choice for HVAC coverage, due to generous limits and wide availability. Choice is available in 48 states, including all but California and Washington.

Choice Home Warranty HVAC Coverage

Choice Home Warranty offers generous HVAC coverage, with a $3,000 limit on both heating and cooling. Some exclusions apply, including underground piping, well pumps, geothermal or water source window units, water towers, chillers, water lines, portable units, chimneys, and wood stoves.

Ductwork is covered, but insulation is not. If your technician needs access through walls, ceilings, or floors to make repairs, Choice will cover up to $500 for the cost of providing access.

Choice Home Warranty Plans and Pricing

Choice Home Warranty offers a Basic Plan and Total Plan. Heating and ductwork are covered by both plans, but air conditioning coverage is only included with the Total Plan. A service fee of $60-$85 is due at the time of service.

Choice Home Warranty Plan Prices

PlanMonthly Cost
Basic Plan$41.69
Total Plan$50.00

To learn more about Choice’s HVAC coverage, fill out this form for an instant quote.

Learn More: Choice Home Warranty Review

Select Home Warranty

Select Home Warranty doesn’t offer the most comprehensive coverage, but its prices are low and its HVAC coverage is good for the price. If you only need basic heating and cooling coverage, this might be the provider for you.

Select Home Warranty HVAC Coverage

Select Home Warranty offers full coverage for traditional heating systems. Central air conditioners with a capacity under five tons and ductwork are also covered, with the limit for all HVAC repairs and replacements being $2,000 per contract term.

The drawback is that wall, window, and portable AC units aren’t covered nor are solar or geothermal heating systems or refrigerant recapture and disposal. Additionally, the $2,000 limit applies to an entire year’s worth of HVAC repair, not individual items within the system. However, considering Select Home Warranty’s prices, the coverage you’re receiving is of excellent value.

Select Home Warranty Plans and Pricing

The Bronze Care plan covers appliances only, the Gold Care plan covers systems only, and the Platinum Care plan covers both, so you’ll need to purchase Gold or Platinum if you want HVAC coverage. Additionally, service fees range from $60-$75.

Select Home Warranty Plan Prices

PlanMonthly Cost
Bronze Care$35.83
Gold Care$35.83
Platinum Care$36.17

Select Home Warranty’s prices vary by location, so fill out this easy form to get a customized quote.

Learn More: Select Home Warranty Review

Liberty Home Guard

A newcomer to the industry, Liberty Home Guard boasts an impressive Better Business Bureau rating and positive customer reviews. It’s available in 48 states and offers a low service fee.

Liberty Home Guard HVAC Coverage

Liberty Home Guard’s air conditioning coverage applies to ducted central and wall units up to a five-ton capacity. Window units and wall units without ducts aren’t covered. Traditional heating systems, excluding solar and geothermal units, as well as leaks or breaks in ductwork are covered. The coverage cap per covered item is $2,000, which is a bit more than the industry average of $1,500.

However, the cap will be lower for the first four months of your home warranty. During that period, if a covered item needs to be replaced, coverage will be limited to 60% of that item’s depreciated value. After 120 days, this becomes 100% of the depreciated value, but this time limit resets every year of your contract.

Liberty Home Guard Plans and Pricing

Liberty Home Guard’s service call fee is $60. Note that you’ll need either the System Guard or Total Guard plan if you want HVAC coverage

Liberty Home Guard Plan Prices

PlanMonthly Cost
Appliance Guard$39.99
System Guard$49.99
Total Guard$59.99

For a free quote from Liberty Home Guard, fill out this quick form.

Learn More: Liberty Home Guard Review

First American Home Warranty

First American Home Warranty has two easy-to-understand plans along with a list of add-ons, including the unique First Class Upgrade that covers improperly installed or maintained items, permit fees, and other areas of your home.

First American Home Warranty HVAC Coverage

Unlike other home warranty providers on this list, such as Choice Home Warranty and Liberty Home Guard, First American doesn’t cap coverage on heating and cooling systems, so you can trust that your repairs will be covered no matter how much they cost. Plus, there’s no dollar limit on refrigerant replacement, and if you purchase the First Class Upgrade for an additional monthly cost, refrigerant recapture, reclaim, and disposal will be covered as well.

Although First American provides impressive coverage for HVAC systems without any per-item coverage limits, it doesn’t offer air conditioning coverage in either of its standard plans. Air conditioning coverage can only be added to your plan as an add-on for an additional $9 per month. This could be beneficial for homeowners who need their appliances and AC unit covered at a low cost.

First American Home Warranty Plans and Pricing

The Basic Plan only covers appliances, but the Premier Plan covers both appliances and systems, including heating and cooling. You’ll also pay a $75 service fee each time you use your plan.

First American Home Warranty Plan Prices

PlanMonthly Cost
Basic Plan$25.00
Premier Plan$39.50

First American’s coverage and prices vary by region, so fill out this quick form to find out what’s available in your area.

Learn More: First American Home Warranty Review


Frequently Asked Questions About HVAC Home Warranties

Benefits of an HVAC Home Warranty

According to Home Guide, the average cost of an air conditioner repair is between $125 and $459. The actual price will depend on your specific problem as well as the cost of living in your location. If the solution is something as simple as replacing a capacitor or unclogging a drain line, the cost will be on the lower end of that range. However, replacing a compressor or condenser coil can cost thousands of dollars.

Similarly, furnace repairs cost between $131 and $477. Electric furnace repairs will be on the lower end of the scale, but gas furnaces are more complex, costing more to fix.

Additionally, HVAC technicians often charge between $50 and $150 per hour for labor. You can also expect to pay about $4,000 for a new furnace and $4,575 for a new central air conditioner.

Although home warranties don’t cover every type of breakdown, they do cover simple wear-and-tear damage that builds up over an HVAC system’s lifetime. Most home warranty providers don’t put age limits on items they cover either, so as long as you’ve done basic maintenance on your older system, it will still be eligible for coverage. A home warranty also covers other systems and appliances around your home, giving you more than just HVAC protection.

Our Conclusion

If you’re looking for HVAC coverage, our top recommendation is American Home Shield. This provider’s lack of dollar cap on covered air conditioner repairs combined with its high limit for heating systems gives you the most comprehensive HVAC coverage available.

However, we recognize that American Home Shield may not be right for every home or every budget, which is why we also included Select Home Warranty, Liberty Home Guard, and First American Home Warranty in this review. We recommend getting quotes from several of these companies before making a purchasing decision.


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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