How to Save Money on Home Heating Repair

How Much Does a Home Heating Repair Cost?

A home heating repair bill can’t bust your budget, right? The answer is—it might. The average cost to repair a breakdown in a home heating system is close to $800* but the cost often can be much higher. If you have savings you can tap into to cover that kind of expense, then, fortunately, you can weather the storm, even when the repair bill hits your budget out of the blue. If you are like most homeowners, however, having to pay a high repair bill unexpectedly can be a potentially budget-busting blow.

Why is a home heating repair so expensive? Often, the high cost stems from the fact that central heating and cooling systems (a.k.a., heating, ventilation, and air conditioning, or HVAC systems) are complex machines with many working parts, and you will want to find a well-trained, professional technician to repair your system when trouble arises. That expertise comes at a cost, so you can usually expect to pay a high hourly rate for an HVAC service call.

To repair the problem with your system, the technician you hire also may have to replace one or more parts and/or components that have failed. The repair bill will include the cost of those replacement parts as well as the billable time to install them.

Here are some of the more common problems that cause a heating system to stop working, often due to failing parts or components in the system:

• Faulty thermocouple (usually the culprit for pilot light problems)
• Problems with furnace blower motor
• Cracked heat exchanger**
• Faulty thermostat wiring
• Broken thermostat
• Blown system capacitor
• Failed igniter or flame sensor
• Leaky ductwork
• Fluid leaks

While most of these problems require new parts to get the system working again, keep in mind that if your furnace is in the attic or crawlspace, for example, your technician will also have to spend time just getting to your system to work on it, which can add to the challenge, and expense, of making repairs.

Bottom line: when you hire a professional to troubleshoot your heating system during normal business hours, the cost of diagnosis, parts, and time to repair a heating issue just adds up. In fact, home heating repair is one of the most expensive repairs you will have to make as a homeowner.

What if Your Heating System Can’t Be Repaired?

Even if a home heating repair bill of $800 or more is not a budget buster for you, what if your heating system can’t be repaired, and you need to replace it entirely? What might have been a potentially expensive repair bill could easily balloon to almost $3,000, or more. Bear in mind, that’s just the average cost of a heating system replacement. According to HomeGuide:

…The national average cost of a standard efficiency natural gas furnace ranges from $2,150 to $5,900 with most homeowners paying around $3,100. The price may vary based on brand, complexity of install, and the efficiency of the new unit.

HomeGuide New Furnace Replacement Costs

It’s possible—depending on where you live and the type of heating system in your home—that your replacement cost will be less than that average. Ultimately, however, that’s cold comfort when the bill is still in the thousands of dollars.

And, like most homeowners, you’re probably not prepared to pay out that kind of money unexpectedly, particularly in the middle of winter when hefty home heating bills are already stretching your budget.

What you need is a way to protect yourself and your budget from these types of unexpected bills.

A Home Warranty Can Protect Your Budget from Costly Repairs

Homeowners often experience sticker shock when they see the bill for a home heating repair. You can potentially avoid that kind of hit to your budget when your heating system breaks down if you have a home warranty. When a covered home system like the heating breaks, a home warranty can protect your budget from some of the big repair bills^† that homeowners have to pay.

When you have a First American home warranty you also have a way to combat surprise bills for home heating repairs, as well as many other essential home systems and appliances. With home warranty coverage, you can remove worry about unexpected budget hits for many of the things you rely on every day.

Here is a snapshot of systems and appliances that First American Home Warranty can cover in your home:

Why a Home Warranty Matters for Your Home Systems

Many homeowners don’t know how old the systems and appliances are in their home, nor do they know how well maintained they were by previous owners. If this sounds like you, getting home warranty coverage on your home heating system just makes good financial sense. That's because, as the table below shows, while central heating systems have a slight edge in terms of how long they may last compared to other home appliances, you know that everything will fail eventually.

		Average life in years††	Average replacement cost	Average repair costs
	Central Air Conditioning
	Central Air Conditioning	15	$3,296	$764
	Central Heating
	Central Heating	15-20	$3,173	$792
	Refrigerator
	Refrigerator	13	$3,214	$1,085
	Oven
	Oven	13-15	$3,390	$1,340
	Washer/Dryer
	Washer/Dryer	10-13	$1,265	$685
	Dishwasher
	Dishwasher	9	$1,205	$682
	Water Heater (Tank)
	Water Heater (Tank)	10	$1,911	$790

A First American home warranty can cover your aging home systems and appliances and your brand-new ones. If you want a way to avoid the hassle of finding a technician on your own and paying what can often be expensive repair bills, a home warranty is a great option for you. Without home warranty coverage, you now have a good idea about how much home heating repairs will cost you.

How Does Maintenance Help Avoid Home Heating Repairs?

Even if you have home warranty coverage, regular maintenance of your central heating system is important to keep it running efficiently and help you avoid problems when you need it most—in winter! It is a good idea to use a home maintenance checklist, but here are three important tips that can help you improve indoor air quality and keep your heating system working its best:

• Check air filter(s) once per month and clean or replace as needed. Homes with pets or residents with asthma should check and replace more frequently.
• Clean vents, registers, and grilles regularly and check that nothing is blocking them.
• Once per year, have your heating system serviced by a professional. Often, this servicing can turn up potential problems that can be fixed before becoming bigger issues.

Keep in mind you also may have things you can try on your own if your heating system stops working. These simple troubleshooting tips may be able to help you that fix some issues and get your heating system working again. If you have home warranty coverage and these tips don’t take care of your heater issues, it’s probably time to call First American.

How to Use Your Home Warranty for a Home Heating Repair

The best solution to combat unexpected breakdowns for your important home systems and appliances is to have home warranty coverage, so you may be wondering how it works?

If your covered home heating system or any other appliances covered by your home warranty breaks down, we have a simple service process that gets underway when you sign in to place your request online or call 800.992.3400. Here’s what happens next:

• First American assigns a service provider, who will call you to schedule an appointment.
• At the appointment, the technician will diagnose the problem and, if needed, report the findings to us.
• If the problem can be fixed, often the technician will be able to repair the item that day.
• If parts are needed, we’ll order them, and the technician will set up a follow-up appointment.

Want to learn more? This infographic shows how the service process works.

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*Based on actual invoices paid by First American in 2021 prior to service fees, deductions, and/or rebates; costs may vary in your geographic region. Items listed may be optional or not available on some plans; please review the sample contract for specific coverage, terms, and limitations.

**A cracked heat exchanger can let carbon monoxide seep from a heating system into a home. Be sure your home is equipped with a carbon monoxide detector on each floor, with one of them placed near where your system is located. If your home’s detectors sound the alarm, it not only can save lives, it can also be a signal that the heating system is broken down.

^†Be aware of non-covered costs even with your home warranty coverage. Please review your sample contract for specific coverage, terms, and limitations.

^†† Consumer Reports resource for appliance lifecycles.