{"id":3477,"date":"2018-06-06T01:25:27","date_gmt":"2018-06-06T06:25:27","guid":{"rendered":"https:\/\/www.galmicheandsons.com\/hvac-blog\/?p=3477"},"modified":"2024-08-16T13:36:13","modified_gmt":"2024-08-16T18:36:13","slug":"hvac-insurance","status":"publish","type":"post","link":"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/","title":{"rendered":"HVAC Insurance: Do You Need Additional Insurance for Your HVAC System?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title ez-toc-toggle\" style=\"cursor:pointer\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/#What_are_the_Available_Options_for_HVAC_Insurance\" >What are the Available Options for HVAC Insurance?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/#Homeowners_Insurance_Coverage\" >Homeowner&rsquo;s Insurance Coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/#Major_Appliance_Home_Warranty_Insurance\" >Major Appliance\/ Home Warranty Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/#HVAC_Contractor_Service_Plans\" >HVAC Contractor Service Plans<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/#Get_to_Know_More_about_HVAC_Insurance\" >Get to Know More about HVAC Insurance<\/a><\/li><\/ul><\/nav><\/div>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/wp-content\/uploads\/hvac-insurance-1.jpg\" alt=\"HVAC Insurance | Protect Your HVAC System\" width=\"300\" height=\"264\" class=\"alignleft size-full wp-image-3502\" \/><\/p>\n<p>Because the HVAC system is one of the most important and costly systems in every house, it is a good idea to have at least some HVAC insurance that will cover it in the event of certain circumstances. This will enable you to rest easy knowing that should damage occur, you have the system covered. However, most homeowners do not know about the types of HVAC insurance or that it even exists in the first place. In this article, we will highlight the various types of HVAC insurance coverage and how it works.<\/p>\n<p>For more professional advice or help regarding your HVAC system in the greater St. Louis area, do not hesitate to get in touch with the experts at Galmiche &amp; Sons. As a leading expert in the industry, we will ensure that we take care of all your <a href=\"https:\/\/www.galmicheandsons.com\/contact-galmiche.php\">heating &amp; air conditioning<\/a> needs. Give us a call today at <span class=\"mobile_tel\"><span class=\"mobile_tel\">314-993-1110<\/span><\/span>.<\/p>\n<div class=\"clear\"><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Available_Options_for_HVAC_Insurance\"><\/span>What are the Available Options for HVAC Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Although you cannot go to an insurance company and ask for HVAC insurance coverage specifically, there are a variety of policies that you may have, or can obtain, which cover damage to your HVAC system. These include:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Homeowners_Insurance_Coverage\"><\/span>Homeowner&rsquo;s Insurance Coverage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00a0Most homeowners carry insurance coverage that protects their home from damage. If you have a homeowner&rsquo;s insurance policy, then chances are high that it includes limited HVAC insurance as well. The coverage will be against risks that are included in the homeowner&rsquo;s insurance policy. These typically include vandalism and theft, accidental fires, weather damage, and lightning strikes, among others.<\/p>\n<p>When using the homeowner&rsquo;s insurance coverage as your HVAC insurance, it is important to note that there are certain exceptions. For example, the HVAC insurance will not cover damages to the system that are as a result of normal wear and tear or maintenance issues. Likewise, the coverage will not pay for repairs for a system damaged accidentally.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Major_Appliance_Home_Warranty_Insurance\"><\/span>Major Appliance\/ Home Warranty Insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can get a more comprehensive HVAC insurance policy by seeking major appliance and home warranty insurance coverage. Certain home warranty policies offer coverage for major appliances used in the home. These insurance policies typically provide coverage against breakdown and failure of household equipment as well as their repair and replacement.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/wp-content\/uploads\/hvac-insurance-2.jpg\" alt=\"HVAC Insurance &amp; Service Plans\" width=\"300\" height=\"200\" class=\"alignright size-full wp-image-3503\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"HVAC_Contractor_Service_Plans\"><\/span>HVAC Contractor Service Plans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If you want further coverage and protection in addition to the above HVAC insurance plans, you can also contact a local <a href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/is-your-hvac-company-trustworthy\/\">HVAC company<\/a> to inquire about service plans. Most HVAC contractors, including Galmiche &amp; Sons, will offer service plans for your <a href=\"https:\/\/www.galmicheandsons.com\/residential-heating-cooling.html\">heating and cooling<\/a> systems. This will usually include a routine maintenance check on your HVAC system as well as other benefits. To learn more in St. Louis, contact Galmiche &amp; Sons to sign up for your HVAC service plan.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Get_to_Know_More_about_HVAC_Insurance\"><\/span>Get to Know More about HVAC Insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When it comes to HVAC insurance, there is a lot to know and understand. At Galmiche &amp; Sons, we are always willing and ready to help. You can give us a call today at <span class=\"mobile_tel\"><span class=\"mobile_tel\">314-993-1110<\/span><\/span> to get to know more about HVAC insurance options as well as get answers to any other <a href=\"https:\/\/www.galmicheandsons.com\/contact-galmiche.php\">heating &amp; air conditioning<\/a> concerns that you may have.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Because the HVAC system is one of the most important and costly systems in every house, it is a good idea to have at least some HVAC insurance that will cover it in the event of certain circumstances. This will enable you to rest easy knowing that should damage occur, you have the system covered. However, most homeowners do not know about the types of HVAC insurance or that it even exists in the first place. In this article, we &hellip; <a href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/\" class=\"more-link\">Continue reading <span class=\"screen-reader-text\">HVAC Insurance: Do You Need Additional Insurance for Your HVAC System?<\/span><\/a><\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[5,6,11,26,34,17,2],"tags":[],"class_list":["post-3477","post","type-post","status-publish","format-standard","hentry","category-air-conditioners","category-commercial-hvac","category-furnaces","category-heat-pumps","category-hvac-service-contract","category-hvac-system","category-hvac-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>HVAC Insurance: Do You Need Insurance for Your HVAC | St. Louis HVAC Tips<\/title>\n<meta name=\"description\" content=\"HVAC Insurance comes in many forms from home owners insurance to home warranties to HVAC service plans. Learn how you can protect your HVAC system\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.galmicheandsons.com\/hvac-blog\/hvac-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HVAC Insurance: Do You Need Insurance for Your HVAC | St. Louis HVAC Tips\" \/>\n<meta property=\"og:description\" content=\"HVAC Insurance comes in many forms from home owners insurance to home warranties to HVAC service plans. 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