If your furnace suddenly quits on a cold winter day in Cincinnati, one of your first thoughts, after grabbing a blanket, might be, “Will my homeowners insurance help cover this?” Heating systems are essential here in Southwest Ohio, especially when winter temps dip into the teens. Repairing or replacing a furnace can be expensive, so it’s important to know what your insurance will and won’t cover. This is a general guide, but it’s always best to consult your homeowner’s insurance directly for the most accurate answers on your particular coverage.
Homeowners insurance typically covers damage to your furnace if it’s caused by a covered peril. That includes things like:
So, for example, if your furnace is destroyed in a house fire or flood caused by a burst pipe, your insurance provider will likely cover the repair or replacement after you meet your deductible.
Unfortunately, insurance doesn’t cover normal wear and tear or mechanical failure due to age or poor maintenance. If your furnace stops working during a January cold snap because a part inside wore out or it’s simply too old, homeowners’ insurance typically won’t help.
Here are some common exclusions:
Some Cincinnati insurance providers offer optional equipment breakdown coverage. This type of endorsement can help cover repairs or replacement for things like furnaces, central AC systems, water heaters, and more, but only if the breakdown is internal (like a motor failure), not due to age or neglect.
Another option for local homeowners is a home warranty plan. These can offer coverage for furnace repairs due to mechanical failure, though they come with monthly or annual fees and service charges.
For Cincinnati homeowners, homeowners’ insurance may help cover your furnace if it’s damaged in a sudden, covered event – like fire or storm damage. But if your furnace breaks down due to age or wear and tear (which is most often the case), you’ll likely be paying out of pocket.
At Quality Comfort Home Services, we know how important a reliable furnace is in a Cincinnati winter. Whether you need routine maintenance, a second opinion on a repair, or a full system replacement, our team is here to help.
Need help with your furnace? Call or text us at (513) 620-4822 or book online. We proudly serve Cincinnati, Mason, West Chester, and surrounding areas.
