Ask an Agent: Is a broken furnace covered by homeowners insurance?

February 28, 2019
Homeowners Insurance,

Q: What happens if my furnace dies while I'm away on a winter vacation and it causes damage in my house?


A: If your furnace quits working while you're away due to a maintenance issue—such as wear and tear or age of the furnace—your homeowners policy will not cover your for a replacement furnace.

However, if your furnace dies during the colder months, and causes the pipes to freeze, you will have coverage on the associated damages. This is because you maintained heat in the dwelling—which is a requirement for freezing to be covered. The furnace malfunction does not negate coverage under this particular circumstance.

You can also contact your agent to check to see if your specific carrier offers equipment breakdown coverage. This could provide additional coverage for your furnace as well.


What can BHS Insurance help you with? We have over 25 associates dedicated to finding the best coverage for your life, home and auto needs. Request a quote online today.


Answered by:



 Kayleigh Pouch, Account Manager

      5 years’ insurance experience

      5 years at BHS Insurance