When an Ontario homeowner's furnace breaks down in February, the first call is usually to their insurance company. The second call, after learning HVAC mechanical failure isn't covered, is to a contractor for an emergency repair estimate. Understanding what each coverage type actually provides can save you thousands.
Standard Ontario home insurance covers sudden and accidental damage, burst pipes, fire, storm damage. It does NOT cover mechanical failure of HVAC equipment due to wear and tear, age, or lack of maintenance. If your furnace simply stops working, insurance won't pay a cent.
New HVAC equipment comes with a warranty, typically 5 to 10 years on parts only. Labour is rarely included after year one. Warranties require registration, proper use, and documented annual maintenance. Many claims are denied for lack of proof of service.
An HVAC protection plan covers what insurance and warranties miss: parts AND labour for breakdowns on older equipment, regardless of cause. A good plan includes your annual tune-up, the preventative maintenance that keeps equipment running and maintains manufacturer warranty coverage.
The average Ontario furnace repair costs $680. A standard tune-up runs $140 to $180. That's $820 to $860 in a year with one repair. Fortify Canada's Standard Protection plan is $69.98/month. For any year where something breaks, you come out significantly ahead, with peace of mind every month in between.
Protect Your HVAC Before It Breaks
Fortify Canada plans cover parts, labour, and annual tune-ups, starting at $39.98/month. No surprise bills, no emergency call fees.
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