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Heating and Air Conditioning Insurance

Heating and Air Conditioning units are a part of our day-to-day lives. Australia has been blessed with all four seasons so you must be fully prepared whether it is a chilly winter night or a hot summer day. When it comes to your home or office, you want to ensure that everything is in perfect order and working condition. This also includes your Heating and/or Air Conditioning units. If for some reason your unit breaks down, it can cause you a great amount of discomfort and then the distress of spending money to get it fixed. At this point, you will want to know if your unit is covered under the insurance.

HVAC Insurance For Homeowners

Having the right insurance policy is serious business when it comes to protecting your home. It can be difficult to know insurance policy is the right fit for you since there are many types of policies available in the market. Some of the most suitable options are listed below:

Home Insurance

 Home Insurance is one of the most important types of coverage to consider. The Home Insurance Policy protects your home and its contents in case of theft, fire, or any other events that may be covered by the policy. Wondering whether the HVAC unit is covered under the policy depends entirely on the policy you have. Some policies do provide coverage for home appliances and systems including HVAC units while others don’t. That’s why you should thoroughly read your policy document to see what is covered and what’s not.

There are different types of home insurance that you can consider getting such as the following:

Building Insurance

Building Insurance is a type of Home Insurance that covers the home’s structure including the following:

  • Floor
  • Roof
  • Garage
  • Walls
  • Cabinets
  • Air Conditioning Units

The Air Conditioning units under this policy are only covered if the damage is due to fire, earthquake, flood, storm, thunder strike, or any other natural calamities. The Building Insurance does not cover any damages that may be caused by accidents or wear and tear.

Contents Insurance

Contents Insurance is the type of Home Insurance that covers the personal possessions in your home including the furniture& furnishing, computers & electrical appliances, clothing & shoes, kitchenware, TV, fitted carpets & rugs, internal blind, curtains, window covers, portable air conditioning units, and other valuable possessions. This insurance has coverage against theft, loss, or damage to personal belongings.

Air Conditioner Insurance

 Contents Insurance, unfortunately, does not include coverage for permanent fixtures such as the air conditioning units. In order to ensure that your HVAC unit is also covered, you will have to combine the Contents Insurance with Building Insurance. You should speak with your insurance provider to learn more about this option.

Home Furnace Insurance

Home Furnace is covered by the insurance if the furnace was damaged due to sudden or accidental damage, freezing, falling objects, or any other perils covered by your policy. You will have to check with your insurance provider to be sure if it is covered.

Heater Insurance

 The heater is covered by the insurance if the damage is caused by the following factors:

  • Storm or Rainwater
  • Fire
  • Theft
  • Pipe burst
  • Lightning
  • Impact at home (for example, a fallen tree)
  • Breakage of glass, ceramic, and sanitary fixtures
  • Vandalism
  • Explosion
  • Earthquake or Tsunami

The insurance policy will not cover any damages that are caused due to gradual wear and tear.

Landlord Insurance

Landlord Insurance is a type of Home Insurance that is a combination of Contents Insurance and Building Insurance. The only difference is that Landlord Insurance covers the losses/damages that are caused by the tenants. With this insurance, the landlords can rest assured that they are covered for any damages that their tenants or guests may cause to the property or its contents.


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