Does homeowners insurance cover furnace replacement?

While there's no such thing as boiler insurance or boiler replacement insurance, homeowners insurance may cover the cost to repair or 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 repair or 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.

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

Filing 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.

Protect your furnace from damage with home insurance

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