HVAC Coverage Explained: What's Actually Included

Not all HVAC coverage is created equal. Some providers cover ductwork, refrigerant recapture, and permits; others charge extra.

Look for the annual cap — the industry standard is $1,500 per unit, but a few providers now offer $3,000+ caps.

Ask about coverage for R-22 refrigerant systems if you have an older AC — some plans exclude them entirely.