Does Homeowners Insurance Cover Heating?

  1. 1615 POINTS
    Ryan Andrew
    President, The Andrew Agency, Richmond, VA
    It depends on what happened to your heating system. Homeowners insurance is designed to cover sudden and accidental losses. Homeowners insurance is not a maintenance policy and it does not cover items damaged due to wear and tear or age. If the heating system caught fire or was damage from lightning you would be covered. If the system is just not working properly because it's old than unfortunately there is no coverage.
    Answered on May 22, 2013
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