Top Home Warranties for HVAC Systems
The right home warranty can help cover costly HVAC breakdowns. Compare plans to find the coverage that fits your system.
By NerdWallet Staff
Updated January 2026
Our Top 3 Providers
✓ MOST POPULAR
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
Our Top 3 Providers
✓ MOST POPULAR
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
✓ MOST POPULAR
1
Liberty Home Guard
365-Day Workmanship Guarantee.
Locked-In Rates on All Multi-Year Purchases.
Best-in-Class Add-Ons, Now Featuring HVAC Maintenance.
Labor, Installation, Removal, Disposal & Haul-Away Included.
2
Choice Home Warranty
Handled more than 8,000,000 service requests.
Covered more than 2,400,000 homes nationwide.
Nationwide network of more than 25,000 contractors.
High coverage limits on electrical and plumbing.
Limited-Time Deal: $75 off and 1st month of membership for free
Call Choice Home Warranty
3
American Home Shield
Will pay for wall damage when accessing plumbing or electrical items.
High coverage limits on electrical and plumbing.
Can choose your own contractor.
Coverage in most states.
4
First American Home Warranty
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
5
Select Home Warranty
Plans Starting as Low as $39/month.
$150 off + 2 months free + Free Roof Leak Coverage.
Up to 180-day workmanship guarantees.
Discount savings of 5-75% at retailers such as Home Depot, Sams Club, and Walmart.
6
Cinch Home Services Home Warranty
Will pay for wall damage when accessing covered items.
High coverage limit.
Decent customer satisfaction ratings.
Coverage is available in 48 states.
7
First Premier Home Warranty
Comprehensive coverage for major home systems and appliances.
Easy claims process available 24/7 online or by phone.
Expandable protection with optional add-ons for customizing your warranty beyond the core plans.
What home warranties typically cover for HVAC systems?
HVAC system coverage varies from company to company, but many home warranties cover the main components of permanent HVAC systems. These often include: -Compressors. -Condensers. -Coils. -Air handler. -Motors. -Thermostats. -Refrigerant replacement. Most have at least some exclusions, including certain types of HVAC systems. For example, a home warranty company might cover repairs for ducted central and installed wall air conditioning units but not window units. Likewise, a plan might state that it covers air conditioning unit components but exclude coverage for leaks, condensate pumps and coils.
Although a home warranty might exclude mismatched HVAC systems — where an air conditioning unit and furnace are different sizes or made by different manufacturers — some companies do cover mismatched HVAC systems.
Will a home warranty replace an HVAC system?
Yes, home warranties typically state that they’ll replace an HVAC system if they can’t repair it, but that’s not a guarantee that you’ll get a new system for free. Some home warranties depreciate the value of an HVAC system, usually based on its age. If your home warranty does this, it’s unlikely that the company will pay you enough to replace your HVAC system with a new model that’s similar to what you already have. In other words, even if a home warranty agrees to replace your HVAC unit, it might not pay enough to cover the full replacement cost. Some plans might also exclude the cost of certain installation steps as well, such as the cost of a crane for roof-mounted systems.
Will a home warranty maintain your HVAC system?
Many home warranties require you to perform routine maintenance on your HVAC system, and some will deny a repair if you haven’t properly maintained your HVAC system. If you’re worried about maintaining your system, you can look at home warranties that cover repairs despite insufficient maintenance, though they’re not as common. Some home warranty companies include annual or seasonal HVAC tune-ups or offer them as add-on services for an additional fee. A tune-up is considered preventative maintenance to check that your HVAC system is performing efficiently and usually includes inspecting filters, checking refrigerant levels, cleaning components, calibrating the thermostat and more. You might have to pay a service fee for each tune-up, so consider this cost when budgeting for a home warranty.