Does homeowners insurance cover a furnace or boiler?

Depending on the cause of damage, homeowners insurance may pay to repair or replace a furnace or boiler if the damage is due to a covered peril. However, policies typically won't cover everyday wear and tear, damage caused by misuse, improper installation, lack of maintenance, or if it has reached the end of its useful life.

5 min to read

Does home insurance cover furnace repair?

While there's no such thing as boiler insurance, in many cases, homeowners insurance may cover the cost to repair your furnace or boiler if it's damaged or destroyed by a covered peril. Covered perils include events such as:

Lightning
Fire
Vandalism
Theft
Wind or hail damage

Does homeowners insurance cover furnace replacement?

While there’s no such thing as furnace or boiler replacement insurance, homeowners insurance may cover the cost to replace your furnace or boiler if it's damaged or destroyed by a covered peril. A standard policy typically won't cover the cost to replace your furnace if there was a mechanical problem, but you may be able to add an equipment breakdown endorsement for an additional cost that may provide coverage.

Are boilers covered by home insurance when there's a mechanical breakdown?

A standard homeowners policy typically won't cover the cost to repair or replace boilers if there was a mechanical problem, but you may be able to add an equipment breakdown endorsement for an additional cost that may provide coverage.

How to file an insurance claim related to your furnace

If you need to file an insurance claim related to your furnace or boiler, you may need to gather the following information:

Furnace information: The make, model, and serial number of your furnace or boiler.
Photos and video: Photos that are taken from multiple angles showing the damage to your heating system.
Police report: A copy of the police report if your home was broken into and the damage occurred during the break-in.