Your A/C Is About to Work Overtime—Is It Covered?

By Kevin Pannebecker | May 5, 2025

As spring turns to summer in the Saint Louis, Saint Charles, and Saint Peters areas, your air conditioner is about to become the most important appliance in your home. After months of sitting idle, it’s expected to kick into high gear and keep your home cool through long, humid days.

But here’s the question every homeowner should ask before flipping the thermostat to “cool”:

If your A/C breaks down this summer… is it covered?

At UPKEEP, we know that A/C repairs can hit at the worst time—financially and physically. That’s why home warranty coverage for your cooling system isn’t just smart. It’s essential.

Why Spring and Summer Strain Your A/C System

During winter, your cooling system likely sat unused, gathering dust and debris. The first time it kicks on in May or June, it’s suddenly pushed to full capacity. That rapid shift often reveals underlying problems such as:

  • Worn-out capacitors
  • Low refrigerant
  • Clogged coils
  • Faulty thermostats
  • Electrical issues

These aren’t just minor annoyances—they’re costly repairs that can quickly climb into the hundreds (or thousands) if your system fails completely.

What a Home Warranty Covers (and Why It Matters)

When you have UPKEEP coverage in place, your central A/C system is protected from unexpected breakdowns due to normal wear and tear.

Here’s what that means:

✅ Covered repairs for major components like motors, compressors, thermostats, capacitors, and more
✅ Access to trusted local technicians
✅ No surprise bills
✅ Fast service to keep your home comfortable

Without a warranty? You could be paying out of pocket, waiting in line during the busiest season for HVAC companies, and sweating out the cost—literally.

Pro Tip: Don’t Wait Until It Breaks

Your home warranty can be a powerful safety net—but it’s even more effective when combined with simple A/C maintenance. Before the real heat kicks in:

  • Change your air filter
  • Clear debris from around your outdoor unit
  • Schedule a seasonal tune-up
  • Make sure your thermostat is functioning properly

UPKEEP customers can sit back and relax, though. Our home warranties are unique in that we include four annual maintenance visits. Your personal home manager takes care of all your major home systems, so you can enjoy peace of mind and less stress on your wallet.

A Cool Summer Starts with Peace of Mind

UPKEEP makes homeownership easier and significantly more affordable, especially during the hottest (and most expensive) months of the year. If your A/C stops working, we’re here to help you stay cool without breaking the bank.

Reach out to UPKEEP today for a quick quote and start your summer off protected. We offer the market’s best home warranty plans starting at just $1,188 for an entire year.

NEXT UP: Storm Preparedness: Protecting Your Home Before the Next Big Storm