Does homeowners insurance cover furnace?

Homeowners insurance typically covers the furnace as part of your dwelling coverage. If your furnace is damaged or destroyed by a covered peril, such as fire, windstorm, or other named perils in your policy, your homeowners insurance may help cover the cost of repairing or replacing the furnace. However, it’s important to note that standard homeowners insurance policies usually do not cover normal wear and tear or maintenance issues.

If the damage to your furnace is due to a covered event, you can file a claim with your insurance company. They will assess the damage and determine the appropriate compensation based on the terms of your policy, including deductibles and coverage limits.

To fully understand the extent of your furnace coverage, review your homeowners insurance policy or consult with your insurance agent. If you have concerns about specific scenarios or coverage limitations, it’s advisable to clarify with your insurance provider to ensure you have the protection you need.

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