Does homeowners insurance cover a furnace or boiler?

Does home insurance cover furnace repair?

Homeowners insurance may cover the cost to repair or replace your furnace or boiler if it's damaged or destroyed by a covered peril. Covered perils as defined by your policy typically include events such as:

• Lightning
• Fire
• Theft or vandalism
• Wind or hail damage

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, depending on your policy, you might be able to add an equipment breakdown endorsement for an additional cost that may provide coverage for unforeseen events. You'll need to contact your insurer to ask about adding an equipment breakdown endorsement to your policy.

How to file an insurance claim related to your furnace

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

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

Then, follow the steps to file a homeowners insurance claim.

How to quote homeowners coverage