Homeowners insurance covers your HVAC or furnace when a covered peril — fire, lightning, a fallen tree, or theft — damages it. It does not cover mechanical breakdown or age.
By the Home & Dime Editorial Team · Last updated 2026
Covered
- Lightning or power surge.
- Fire or fallen tree.
- Theft or vandalism of the unit.
Not covered
- Mechanical breakdown and age.
- Neglected maintenance.
Frequently asked questions
Does it cover a furnace that stopped working?
No — that’s breakdown; consider a home warranty.
Lightning hit my AC — covered?
Yes, minus deductible.
The bottom line
Sudden covered-peril HVAC damage is covered; breakdown and age need a home warranty.
Related guides
- Does Homeowners Insurance Cover a Water Heater?
Sources: Insurance Information Institute (iii.org); Consumer Financial Protection Bureau; FEMA; state Departments of Insurance. General information, not insurance advice.
Part of our Homeowners Insurance guide
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