November 2025
BEST AC / HVAC WARRANTY

An AC warranty is a service agreement that covers the cost of repairing or replacing your home’s air conditioning system when it breaks down due to normal wear and tear. It helps ensure your cooling system is working properly and can save you from expensive repair bills.

An AC warranty covers repairs and replacements for your air conditioning system when it fails from everyday use. Homeowners insurance only covers AC damage caused by unexpected events like storms, fire, or theft, but it does not cover normal mechanical breakdowns.

Most AC warranty plans cover central air conditioning units, ductless mini-split systems, compressors, evaporator coils, condensers, thermostats, and related components. Coverage can vary, so it’s important to review your provider’s plan details.

Generally, pre-existing conditions are not covered—meaning any issues that existed before your warranty began. Some providers may cover undetectable problems that could not have been found during an inspection.

Yes, many providers offer coverage for older AC systems, though some may have age limits or may charge higher service fees for very old units.

The cost usually ranges from $200 to $500 per year for AC-only coverage, depending on the system type, age, and the provider. Service fees typically range from $75 to $125 per claim.

You can file a claim online or by phone with your warranty provider. They will send a licensed HVAC technician to diagnose and repair the issue. If it’s covered, you’ll only pay the service fee.

Most plans allow multiple service requests, but coverage limits often apply to the total repair or replacement costs per year. Check your policy for payout caps.

Most providers require you to use their approved network of HVAC professionals. Some may allow you to choose your own licensed contractor, subject to prior approval and reimbursement rules.

Coverage usually begins 30 days after you purchase the plan. Some providers may offer immediate coverage if you are renewing or switching from another warranty.

Yes, some plans offer optional add-ons for related systems, such as air duct cleaning, humidifiers, dehumidifiers, or coverage for multiple AC units.

An AC warranty is ideal for homeowners in warm climates, those with older systems, or anyone who wants predictable repair costs and peace of mind during the cooling season.