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Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.

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Q: Is the furnace covered by homeowners insurance?
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Will homeowners insurance cover a furnace fire?

It depends on the cause of the furnace fire. Remember that homeowners insurance is all tied to the cause and whether or not it is a covered cause. If the furnace fire was caused because of lack of maintenance then it would not be covered. If the furnace fire started because of some other accidental covered cause then it would be covered.


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