Central vacuum systems are built into homes from the 1980s onward - a power unit typically in the garage or utility room, with inlets throughout the house. Most homeowners don't have one. If you do, coverage depends on whether your plan specifically includes it.
What's Typically Covered
When central vacuum coverage is included in a plan:
What's Excluded
Is It Included in Standard Plans?
AHS (American Home Shield)
Includes central vacuum in standard coverage. One of the few major companies to do so without an add-on.
Other companies
Many don't mention central vacuum at all. If your plan's covered items list doesn't specifically include it, assume it's excluded. Ask before purchasing - especially if the system is your primary cleaning setup.
If central vacuum coverage matters to you, verify it's listed in the contract's covered items section - not just in a sales conversation. The written contract governs.
Repair and Replacement Costs
Motor Replacement
$150–$400
Power unit motor. Coverage is modestly valuable here - falls within most service fee + coverage economics.
Full System Replacement
$1,000–$3,000
Mid-size home full install. Coverage caps apply - check your plan's appliance/system cap.
Bottom line: If you have a central vacuum system, check your plan's covered items list before purchasing. AHS is the most reliable choice for this coverage. Motor repairs are within a range where warranty coverage provides genuine value - full replacement at $1,000–$3,000 is where the cap matters.