Heating systems share the HVAC cap with air conditioning in most plans. In climates requiring both cooling and heating (Midwest, Northeast, Mid-Atlantic), both system types drawing from the same cap is important to understand before choosing coverage.
Coverage by System Type
Forced Air Furnace (Most Common)
A cracked heat exchanger allows combustion gases to mix with heated air - a health hazard. Coverage for heat exchanger failure is where warranty value is clearest.
Boiler Systems
Boiler 'descaling' or mineral deposit removal is maintenance - not covered. In hard water areas, regular boiler maintenance matters.
Heat Pumps
Heat pumps serve as both heating and cooling. Coverage depends on whether your plan covers heat pumps specifically - most comprehensive plans do, but verify.
Electric Baseboard Heating
Covered under electrical heating in most plans.
Systems That Require Explicit Verification
Radiant Floor Heating
Radiant floor heating - both electric and hydronic - is often excluded or requires a specific add-on. If you have radiant floors, verify explicitly before purchasing any plan.
Ductless Mini-Split Systems
Ductless mini-split systems (Mitsubishi, Daikin, LG, Fujitsu) are included in most modern comprehensive plans, but older plan language may not address them specifically. Verify if your home uses mini-splits as the primary heating source.
The HVAC Cap - Heating and Cooling Share It
Most home warranty plans apply a single HVAC cap to both heating and cooling. This is the most important number when evaluating plans in temperate climates.
Furnace Replacement Cost
$2,500–$7,500
Gas furnace installed, mid-efficiency. High-efficiency: $5,000–$12,000+.
Boiler Replacement Cost
$3,500–$8,000
Standard residential boiler installed. High-efficiency condensing boilers run higher.
Cap strategy: In climates with both heating and cooling needs, prioritize companies with higher HVAC caps (AHS at $5,000+, Old Republic at $6,500+, AFC Home Club with actual cost scheduling). A $1,500 combined cap is inadequate for any substantial HVAC failure in these regions.