Ducts are an integral but often ignored part of a well-functioning AC system. You may wonder, does a home warranty cover ductwork? Or does homeowners insurance cover ductwork?
Your home’s ductwork is what keeps cool air flowing from your AC unit throughout your home in the summertime and warm air flowing from your furnace in the winter. But, just as with any other of your home’s systems, your HVAC ductwork can develop problems.
In fact, many AC problems are caused by issues with ductwork. An American Home Shield® home warranty covers ductwork, helping with some or all of the cost of your repair.
When you get your HVAC tune-up, the technician does not typically inspect your HVAC ductwork. So if there’s a problem with your ducts, you may not get confirmation right away. However, there are a few clear signs that you are experiencing ductwork difficulties.
If you do identify a problem, there’s nothing to worry about. American Home Shield can help you set up an appointment and with a repair Pro and get you back on the road to feeling comfortable again.
You may not be able to crawl into your ductwork and personally take a look at what’s going on in there, but if the system is truly experiencing issues, there will be signs. Trust your gut! If something feels off with your ducts, it probably means it’s time to do something about it.
Some signs that you have problems with your AC ductwork include:
While homeowners insurance does cover HVAC systems in the event of a disaster like a fire or a storm, it will not cover breakdowns due to ordinary wear and tear. So if you’re wondering, does homeowners insurance cover HVAC issues like ductwork problems over time?—the answer is no. Your homeowners insurance won’t cover cleaning, repairing or replacing your ductwork. Learn about the differences between home insurance and home warranty in our blog post.
Your ductwork might be out of sight, but it should never be out of mind. When something goes wrong with these hidden pathways—like poor airflow, odd noises, or a surprise spike in your energy bill—it can quickly go from invisible to impossible to ignore. That’s where American Home Shield comes in.
American Home Shield home warranty plans include ductwork as part of your air conditioning and heating system coverage. That means if your ducts are leaking, clogged, or not doing their job because of normal wear and tear, we can help with repairs or even replacements, subject to plan limitations and exclusions.
In fact, American Home Shield plans do cover ductwork in many standard HVAC systems, including central electric split systems and ducted package units. Whether you’re dealing with inconsistent temperatures from room to room or airflow that just isn’t cutting it, this is the kind of issue your home warranty can help tackle.
For members considering a full HVAC system upgrade, our New HVAC Program offers significant savings. Through this program, you can receive a free in-home assessment and access to discounted pricing on new, energy-efficient HVAC systems from trusted brands.
So if you’ve been wondering does American Home Shield cover ductwork rest assured—when your ducts need attention, we’ve got you covered.
Act now with our comprehensive ductwork coverage and breathe easier—before small problems become big ones.
When something feels off with your HVAC system, your first step is simple: request service through American Home Shield. You can do this through the American Home Shield member App, online through MyAccount, or by phone.
From there, after you pay your service fee, we’ll assign a independent, trusted Pro from our nationwide network to diagnose the issue. Because your home warranty covers ductwork, we’ll take care of the covered repair or replacement, up to your plan’s coverage limits. You’ll pay the service fee listed in your plan. Learn more about what to expect from your AC service call.
Your AC ductwork is so important to the air quality in your home and, by extension, to your and your family’s health, that it really pays to keep it in good shape.
To keep your system running smoothly, here are a few simple maintenance steps you can take:
Inspect your ducts once a year
Look for dust or debris coming out of your registers. Remove vent covers and peek inside with a flashlight to check for signs of mold, mildew, or pests like rodents or insects.
Check for visible leaks
Where your ductwork is exposed, inspect for gaps or damage. Sealing small leaks with duct tape can help improve system efficiency and prevent air loss.
Know when to clean
Most ducts don’t need routine cleaning—but if you notice visible mold, excessive dust blowing out, or signs of infestation, it’s time to call in a Pro.
Change your HVAC filters regularly
Swap them out every 1–6 months depending on your home’s needs. Pets, allergies, or asthma may mean more frequent changes.
Remember, your AC is a whole-home system—your outdoor unit cools the air, but it’s your ductwork that gets that air where it needs to go. And when ductwork issues pop up, they can mess with comfort, efficiency, and your wallet.
Keeping your HVAC system in top shape starts with protecting its covered parts—including the ductwork. With American Home Shield®, you’ll have a plan that helps you handle the what-ifs, from routine repairs to bigger fixes. It’s one more way we help you feel confident and in control of your home.
AHS assumes no responsibility, and specifically disclaims all liability, for your use of any and all information contained herein.
