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Does home insurance cover ductwork?

The ductwork in my house is getting a bit old, so the HVAC system isn’t running as well as it used to. Will my home insurance cover ductwork?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Having an HVAC system and ductwork that’s on its way out is never pleasant, so hopefully, your system keeps chugging along!
Your
home insurance
 typically will not cover ductwork unless the damage resulted from one of the
covered perils
 outlined by your policy details.
If your HVAC breaks due to accidental tearing, cracking, burning, or bulging or a fire caused damage, you would have coverage.
However, your home insurance policy will never cover damage that is caused by:
  • General wear and tear
  • Owner neglect
  • Old age
  • Lack of maintenance
Finally, repairing ducts or an HVAC system can be pretty expensive, but you can make the repairs a bit easier on your wallet by using
Jerry
.
If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. Jerry does all the paperwork for you and even helps cancel your old policy. And if you have any questions along the way, text one of our agents through the app. They will always be there to assist you.
MORE:
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