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Many homeowners in the Burlington, NC area rely on furnaces to stay warm in the winter. In addition to ensuring comfort, this vital equipment can prevent frozen pipes and other damage during particularly cold weather. Maintaining furnaces regularly and fixing any problems as soon as possible is crucial. Considering the importance of this equipment and the major project involved in replacing it, you may wonder if homeowners insurance covers your furnace.
What’s Covered?
Like many systems in your house, furnaces are covered by this type of policy under the right circumstances. Coverage depends on how your heating equipment suffers damage. Your insurer will probably repair or replace a furnace that a covered event, such as fire or vandalism, has harmed. Ensure you have adequate Other Structures coverage if this equipment is located in another building, such as a garage that isn’t part of the house.
What’s Not Covered?
On the other hand, you can’t make a homeowners insurance claim if your heating system is damaged by a non-covered event that requires a separate policy (such as flooding or an earthquake). Be sure to obtain policies that cover all types of disasters that may threaten your property. Likewise, home insurance won’t cover equipment failure due to age, poor maintenance, or defects. These types of problems are more likely to be covered by a warranty.
If you’re looking for dependable home coverage, Don Allred Insurance can help. Our independent agency has served North Carolina residents for more than four decades. We offer policies from several major insurers, so you can find the most suitable coverage without calling several companies. The helpful staff at Don Allred Insurance will answer all of your homeowners insurance questions. Don’t hesitate to contact our Burlington, NC office at 336-584-2705 today.