Does homeowners insurance cover furnace

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Homeowners insurance is a crucial protection for homeowners, providing coverage for various risks and damages to their property. One common question that arises is whether homeowners insurance covers the furnace. In this article, we will explore the coverage provided by homeowners insurance for furnaces and discuss the factors that may affect this coverage.

Does Homeowners Insurance Cover Furnace?

Homeowners insurance typically covers damage to the structure of the house, as well as personal belongings, in the event of covered perils such as fire, theft, or vandalism. However, coverage for specific items, like the furnace, may vary depending on the policy and the circumstances surrounding the damage.

Standard Coverage: In most cases, homeowners insurance policies provide coverage for the furnace if it is damaged due to a covered peril. For example, if a fire breaks out in your home and damages the furnace, your homeowners insurance policy may cover the cost of repairing or replacing it. Similarly, if the furnace is stolen or vandalized, it may be covered under the policy.

Exclusions: It is important to note that homeowners insurance policies often have exclusions and limitations. For instance, if the damage to the furnace is a result of wear and tear or lack of maintenance, it may not be covered by the policy. Additionally, some policies may exclude coverage for certain perils, such as floods or earthquakes, which could potentially damage the furnace.

Additional Coverage: Depending on the insurance provider and policy, homeowners may have the option to purchase additional coverage specifically for their furnace or other valuable equipment. This additional coverage, often referred to as equipment breakdown coverage or service line coverage, can help protect against mechanical or electrical failures of the furnace.

Factors Affecting Coverage

While homeowners insurance policies generally cover the furnace, there are several factors that can affect the extent of coverage:

Policy Terms and Conditions: Each homeowners insurance policy is unique, and the coverage provided for the furnace can vary. It is essential to review your policy documents and understand the terms and conditions to determine the extent of coverage for your specific furnace.

Furnace Age and Condition: The age and condition of the furnace can also impact coverage. If the furnace is old or has not been properly maintained, the insurance company may argue that the damage was due to wear and tear, which is typically excluded from coverage.

Peril Exclusions: As mentioned earlier, certain perils like floods or earthquakes may not be covered under standard homeowners insurance policies. If the furnace is damaged due to an excluded peril, you may need additional coverage or a separate insurance policy to protect against such risks.


In conclusion, homeowners insurance generally covers the furnace if it is damaged by a covered peril. However, it is important to review your policy and understand the terms, conditions, and exclusions to determine the extent of coverage for your specific furnace. Factors such as the age and condition of the furnace, as well as the perils excluded from your policy, can affect the coverage provided. Consider purchasing additional coverage if necessary to protect against mechanical or electrical failures of the furnace.


– Insurance Information Institute:
– National Association of Insurance Commissioners:
– Investopedia: