HVAC installation costs $5,000 to $11,000, including a new furnace and AC unit using the existing ductwork. Installing an HVAC system and new ductwork costs $7,000 to $16,000. Prices depend on the house size and the HVAC system size, type, brand, and efficiency.

• AC units with high Seasonal Energy Efficiency Ratio (SEER) ratings cost more up front but reduce your energy costs. The investment may pay for itself in energy savings over the life of the system.
• High-efficiency furnaces cost 30% to 100% more than standard-efficiency models but also reduce your energy costs.
• Optional features that will increase your total costs include a smart thermostat, an HVAC zoning system, or a whole-house air purifier installed directly within the ductwork.

Consider replacing instead of repairing your HVAC system if:

• The system is more than 10 years old.
• The repair cost is at least 50% of the price of a new system.
• The repair cost multiplied by the system's age in years exceeds $5,000.
• Your energy bills are increasing.
• The system can't maintain comfortable temperatures in the home.
• Your home is too dry in winter or too humid in summer.
• The system is making loud knocking, clicking, or gurgling sounds.
• You notice excessive dust, poor air quality, or musty odors from the system.

An HVAC system lasts 15 to 25 years on average, depending on the brand and usage. Each component in the system has its own lifespan:

• An air conditioner lasts 15 to 20 years.
• A furnace lasts 15 to 30 years.
• A heat pump lasts 10 to 20 years.

A new HVAC system only adds value to a home that did not previously have central heat and air conditioning. Replacing an existing HVAC with a new energy-efficient system won't increase a home's value but may appeal to potential buyers.

Installing an HVAC system takes 1 to 2 days if using the existing ductwork or 3 to 5+ days if installing new ductwork.

You don't need to tip HVAC installers unless they exceed your expectations. Consider tipping $10 to $20 per technician if the installers worked in extreme heat or cold. HVAC installers also appreciate it when you offer beverages or allow the use of a bathroom in your home.

HVAC stands for heating, ventilation, and air conditioning. The main components of an HVAC system in a house include:

• The outdoor unit is typically located at the side or rear of the house and contains the compressor, condenser coil, and condenser fan.
• The indoor unit is typically located in the basement, attic, or closet. The indoor component includes a furnace or air handling unit that contains the evaporator coil and air blower.
• The refrigeration line set circulates refrigerant between the indoor and outdoor units to remove hot air from the home.
• Ductwork runs to and from the air handler and the vents to circulate air through the home.
• The thermostat communicates with the HVAC system and allows you to set the desired temperature.

Homeowners insurance only covers HVAC replacement if the system is damaged in an accident or disaster. A standard homeowners insurance policy does not cover HVAC replacement for age or general wear and tear. Some insurance companies offer an add-on policy for the HVAC system.

Most home warranties cover the HVAC system for normal wear and tear, though coverage varies by company. Some companies only offer HVAC coverage as an add-on or premium plan. Annual HVAC maintenance is required for the warranty to be valid.

Follow these guidelines when searching for HVAC installers:

• Get at least three estimates featuring similar HVAC brands and sizes to compare.
• Look for a NATE-certified company.
• Select an HVAC contractor who will perform a complete home evaluation to assess your heating and cooling needs.
• Read reviews and check out their previous work on HomeGuide and Google.
• Select companies that are licensed, insured, bonded, and have been in business for 5+ years.
• Avoid installers who request the entire project cost up front.
• Get a detailed estimate, contract, and warranty in writing before the work begins.
• Never pay in full before the project begins. Reserve the final payment until the work is complete.

Ask these questions to ensure you find the best HVAC installation company for your project:

• How long have you been in business?
• Are you licensed and insured?
• Which certifications do you have?
• Can you provide references?
• What HVAC system size do you recommend?
• What efficiency rating do you recommend and why?
• Can the existing ductwork be used with the new system?
• Does the installation include a new line set?
• What extra costs should I expect?
• Which brands do you recommend and why?
• How long will it take to install the new system?
• How long is the warranty, and what does it cover?
• Do you offer a maintenance or service plan?