Homes Benefit from the Insurance HVAC Systems Offer

Most of us think comfort when we think HVAC, but few think of protection or the insurance HVAC systems offer. Aside from increasing comfort, heating and cooling systems stabilize indoor conditions. Your home is built from certain materials and filled with valuable possessions. If the indoor climate isn’t right, severe damage may occur. These losses add up, leaving you to hope your insurance coverage applies.

Protect your dwelling and its contents by maintaining a steady indoor climate. A quality heating and cooling system will allow you to do so. The insurance HVAC systems provide can be valuable for prevention. Better indoor climate control helps you avoid the unbalanced conditions that could put your home at risk.

insurance hvac offers

Damaging Conditions Inside Your Home

Temperature and humidity are controlled by heating and air conditioning systems. Without the insurance HVAC provides over moisture and temperature control, damage can result.

Poor temperature control

Ideally, your indoor environment should stay at a steady temperature. If heating and cooling systems are turned off, damage can start. Extreme temperatures change drastically when these systems are back in use. Large temperature changes can damage the home and many items stored inside.

Poor temperature control can also change indoor moisture levels. Hotter temperatures cause the air to hold moisture, and lower temperatures cause moisture levels to fall. Without steady temperature control, fluctuations can lead to damage.

Poor humidity control

Naturally, there is moisture within the air in your home. Outdoor conditions and indoor activities can cause humidity levels to rise. Air leaks, cooking, showering, and breathing add moisture to the air.

Relative humidity levels should stay between 30 and 50 percent. If unchecked, high moisture levels can lead to mold growth and moisture damage. This affects structure, interior finishes, and the home’s contents. Conversely, too little moisture can be equally damaging.

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Insurance HVAC Systems Provide

Well-designed heating and cooling systems should be paired with indoor air quality products such as a whole house humidifier and/or whole house dehumidifier. These systems will provide protection for your home and its contents. Below are important and expensive home elements safeguarded by the insurance HVAC offers.


Unbalanced moisture levels can damage electronics. High humidity levels cause moisture to collect on components. This causes corrosion. Low moisture causes static electricity, which shorts circuits.

Plasma TV screens and internal electronics are damaged by high temperatures. Computers can break if exposed to extreme temperature jumps. Rapid expansion as voltage travels through a circuit can break components.


Custom upholstery doesn’t come cheap. Window treatments and furniture upholstery require special care to prevent damage. Exposure to extreme indoor environments can hurt them, too.

Materials like leather are sensitive to temperature jumps. This causes cracks, and moisture exposure can lead to discolored spots.


Wood is reactive to moisture in the air. The moisture content of the environment causes moisture loss or gain. When wood loses moisture, it contracts; but when it gains moisture, it expands.

Moisture problems caused by temperature ranges and poor moisture control will damage woodwork. Bowing and warping can occur, as well as cracks and splits in the wood. Wood flooring may gap if humidity levels are too low. This causes wooden boards to contract. Wood floor boards will expand if moisture levels are high.

Moisture hurts cabinets, trim, doors, and other wood elements such as furniture. Also, wooden beams, subfloors, decking, and building materials are hurt by poor moisture control and mold growth.

Artwork & instruments

If you have artwork on display, your HVAC system should protect these pieces. Unbalanced humidity levels can degrade canvas, damaging artwork. Materials such as paper, linen, parchment, and others use for art are affected by moisture. Dry air causes shrinking, cracking, and brittleness. Excess moisture causes dampness, which can cause mold and fungal growth on artwork.

Temperature changes can speed that growth and cause expansion. Keep artwork in an environment of temperature changes within 20 degrees.

Environmental changes can also affect sensitive instruments. The tune of a piano, for example, varies with humidity changes. Its tune is thrown off by temperature fluctuations. Stringed instruments may break if exposed to unbalanced conditions. Woodwinds can crack if stored in dry conditions, and mold in high humidity.

HVAC Solutions for Your Home

Humidity control solutions

Air conditioners work to control moisture in the air and temperature. If sized wrong, over-sizing contributes to moisture issues. In some climates, air conditioners alone control humidity levels. In others, a whole home dehumidifier should be added to the system. The dehumidifier integrates with your duct work. It pulls excess moisture from the air. Air sent back into the home is drier, keeping humidity levels low.

In a dry environment, add moisture to the indoor air supply. A whole home humidifier prevents dryness. The humidifier adds moisture to the air as it passes through the duct work. When levels are low, it raises humidity, keeping it consistent.

Humidifiers and dehumidifiers offer superior moisture control. These systems, paired with quality heating and air conditioning equipment for effective temperature control, prevent moisture fluctuations. The insurance HVAC systems offer through moisture and temperature control can prevent costly damage.

Temperature control and automation solutions

Temperature is controlled via the thermostat. HVAC system use is constantly monitored and adjusted when needed. With proper use of a smart or programmable thermostat, you should be able to let your system run and avoid temperature swings from turning systems off for extended periods of time.

For control over your home environment, upgrade to a home automation thermostat. Smart thermostats can control temperature and humidity levels indoors and allow you to monitor indoor conditions. Your preprogrammed schedules run automatically. Gain thermostat control from anywhere to check in and adjust settings if needed. These systems collect data on your home environment. That info helps determine smarter settings for protection.

Heating and air conditioning systems plus supplemental equipment do more than condition a home. They create an environment that is comfortable and safe. This is not only for occupants, but the home itself. When investing in a new system, consider the insurance HVAC provides as a benefit you’ll gain. is here to answer all your heating, air conditioning, and indoor air quality questions, plus connect you with quality local HVAC contractors when your system needs repaired or replaced. Let us know if we can refer you to one of the trusted contractors from the nationwide Contractor Network. Get started today – tell us a bit about your project and we’ll start working for you!