A home warranty for HVAC repair in Indiana.
We’re an HVAC company that built an Indiana home warranty where you pay what we pay for parts. No claims process. No denial letters. No runaround.
- No claims process — if it’s covered, we fix it
- Parts at our cost — zero markup
- $35/mo — every major system — 7-year locked pricing
- Local Hamilton County, IN team, not a call center
See If Your Home Qualifies
- No claims process — if it’s covered, we fix it
- Parts at our cost — zero markup
- $35/mo — every major system — 7-year locked pricing
- Local Hamilton County, IN team, not a call center
See If Your Home Qualifies
20+
Years in Business
$80
Service Calls vs. $150+ avg
12+
Systems Covered
No
Surprise Costs
20+
Years in Business
$80
Service Calls vs. $150+ avg
12+
Systems Covered
No
Surprise Costs
You already know how this goes
You paid $600 a year in premiums. Your AC died. They denied your claim. Now you’re out the premiums and the $5,000–$7,000 repair bill.
You had a home warranty. You paid every month like you were supposed to. Then your AC died in July. You called them. They sent a denial letter — "pre-existing condition," "normal wear and tear," whatever they could find in the fine print. So now you’ve paid for coverage that covered nothing, and you’re writing a check for $5,000–$7,000 to whoever can come out fastest.
A home warranty without the part where they say no
There’s no claims department because there’s no claims process. We’re an HVAC company — the same crew that’s been servicing Hamilton County, IN for 20 years. Something’s covered and it breaks? We come out for $80, charge $40/hr labor, and you pay what we paid for the parts. No markup. No denial letter. No runaround.
Why we have every incentive to fix your stuff
Traditional warranty companies make more money every time they say no to you. Denying claims is how they profit. We built our program the opposite way — we make money when people join, not when we reject their repairs. Every member who stays, every neighbor who signs up because you told them about us — that’s how we grow. We have zero financial incentive to deny your claim. We have every incentive to fix your stuff fast, do it right, and keep you as a member.
We started as an HVAC company. We built this warranty because we were tired of watching our customers get $6,000 bills for equipment that costs us $950. If you’re paying us every month, you should get parts at the price we pay for them. That’s the whole idea.
The warranty you had vs. the warranty you should have
“They denied your claim.”
Pre-existing condition. Improper maintenance. Normal wear and tear. There’s always a reason to say no. We don’t have a claims department. There’s no claim to deny. If it’s covered and it’s broken, we fix it. Period.
“Their business model depends on saying no.”
Traditional warranty companies collect your premiums and profit by paying out as little as possible. Our model is the opposite — we make money when people join, not when we deny claims. Every member we lose is revenue gone. That’s why we have every reason to say yes.
“You paid retail. They pocketed the difference.”
Even when they approve a repair, national companies use the cheapest parts at full retail markup. We give you parts at the price we pay. An AC unit that costs thousands at retail? Our members pay wholesale — parts at our cost plus labor, typically 40–60% below retail.
“They sent a stranger to your house.”
National companies dispatch whatever random contractor is cheapest on their list. You don’t pick. You don’t know them. We’re the ones who show up — the same crew that’s been servicing Hamilton County for over 20 years.
“They charged you just to walk in the door.”
AHS charges $75–$125 every time a tech shows up — on top of your monthly payment. Our $80 inspection fee is the only per-visit charge, and it’s credited toward the repair.
“You couldn’t reach a real person.”
Good luck getting a human at a national warranty company on a Saturday when your furnace is out. We’re local. You have our number. We pick up.
Ready to stop paying retail?
What's Covered
Climate
- 01Air Conditioner (Amana)
- 02Geothermal Flow Center
- 03Geothermal (Bard / Hydron module)
- 04Spray Foam Insulation
- 05PTAC (90% four season room)
Water
- 06Sump pumps
- 07Well Pumps / Pressure Tank
- 08Water Softener (Sterlings)
- 09Hot Water Heater / Tankless HWH
Structure
- 106 Inch Seamless Gutters
- 11Grind Pump
- 12Garage Door Opener
Appliance coverage is being added at no increase to your monthly rate.
HVAC warranty details
How the home warranty handles HVAC repair.
This page ranks because the model is specific: local Indiana home warranty coverage from the HVAC company doing the repair, with known service costs and parts at our cost.
HVAC warranty coverage built by the company doing the repair
Most home warranty plans separate the people collecting your monthly payment from the people who actually show up when the furnace or AC fails. Harbour Wholesale is different. We are the local HVAC team behind the warranty, so the same business that sells the membership is responsible for diagnosing covered equipment and doing the work.
That matters when the repair is urgent. There is no national call center assigning the cheapest contractor on a vendor list. If the covered system breaks, the conversation is the same practical one we have on a normal HVAC service call: what failed, what it costs, and how to get it fixed.
- HVAC repair is central to the warranty, not an add-on
- $80 inspection credited toward covered repair work
- $40/hr labor for members
- Covered parts and systems sold at Harbour's cost
What members pay when covered equipment breaks
The warranty does not promise free repairs, and the page should never imply that. Members pay the inspection fee, labor, and parts at our cost. The advantage is that the parts are not marked up to retail and there is no claims department trying to turn a covered repair into a denial.
For HVAC repair and replacement in Indiana, that parts-at-cost model is the gap. A covered AC, furnace, heat pump, tankless water heater, sump pump, or other listed system can be repaired by the local team with pricing that is clear before the work starts.
- No hidden deductible language
- No retail markup on covered parts
- No claim denial for covered items
- No random outside contractor handoff
Why this is different from a national home warranty company
National home warranty companies make money when premiums stay in and repair costs stay out. That incentive shows up in denial letters, vendor delays, and confusing exclusions. Harbour Wholesale is designed around a different incentive: members stay when repairs are handled plainly and locally.
That is why the warranty page should keep explaining the model in concrete numbers. The value is not magic coverage. It is a Hamilton County HVAC and home-services team charging members a known inspection fee, a known labor rate, and parts at the price we pay.
- Local Hamilton County team
- No claims department
- Known service fee and labor rate
- Parts-at-cost replacement pricing
What's not covered
We're upfront about the limits. Here's what isn't part of the program:
- Pre-existing conditions known to the member at enrollment
- Damage from acts of God — floods, earthquakes, tornadoes, fire, lightning
- Damage from member misuse, neglect, or missed routine maintenance (e.g., unchanged HVAC filters)
- Cosmetic damage that doesn’t affect how the system works
- Work or modifications performed by non-Harbour technicians
- Equipment installed after membership start that wasn’t registered with Harbour
- Categories marked “coming soon” in the program (e.g., appliances), until formally added
- Anything not listed in the covered-items section above
Full terms in the Membership Agreement.
What things actually cost
Your total membership cost over 7 years is $3,040 — $100 activation + $35/month × 84 months. Here’s what our members pay compared to what you’d pay without coverage.
AC 13 SEER 2 Ton
AC 13 SEER 2 Ton
Save $2,410+Furnace (80%)
Furnace (80%)
Save $3,560+Furnace (96%)
Furnace (96%)
Save $2,560+Air Source Heat Pump
Air Source Heat Pump
Save $2,410+Air Handler
Air Handler
Save $910+Furnace + Heat Pump (Hybrid)
Furnace + Heat Pump (Hybrid)
Save $4,770+Geothermal System
Geothermal System
Save $12,540+Tankless Water Heater
Tankless Water Heater
Save $1,160+Water Heater (50 gal)
Water Heater (50 gal)
Save $430++ $80 inspection fee per visit (credited toward repair)
Retail prices are typical market rates for Hamilton County, IN. Member costs reflect our wholesale parts pricing plus labor. Your actual costs may vary by system specifics. Membership cost is separate from service costs shown above.
How It Works
Three steps. Here's exactly what happens.
Sign Up
$100 one-time signup fee. Pick monthly ($35), semi-annual ($210), or annual ($420). Coverage starts immediately.
Call Us — Not a Call Center
Something breaks? Tell us what’s wrong. We schedule your $80 inspection (credited toward the repair). No claim to file. No approval to wait for. Just a phone call.
We Fix It at Our Cost
$40/hr labor. Parts at the price we pay. A new AC that costs thousands at retail? Our members pay wholesale — parts at our cost plus labor, typically 40–60% below retail. That’s the whole invoice.
Sign Up
$100 one-time signup fee. Pick monthly ($35), semi-annual ($210), or annual ($420). Coverage starts immediately.
Call Us — Not a Call Center
Something breaks? Tell us what’s wrong. We schedule your $80 inspection (credited toward the repair). No claim to file. No approval to wait for. Just a phone call.
We Fix It at Our Cost
$40/hr labor. Parts at the price we pay. A new AC that costs thousands at retail? Our members pay wholesale — parts at our cost plus labor, typically 40–60% below retail. That’s the whole invoice.
One plan. No fine print.
$100 one-time signup fee. Everything included.
- No claims process. Covered and broken? We fix it.
- Parts and systems at our cost, zero markup
- $80 inspection fee (credited toward repair)
- $40/hr labor rate
- 12 home systems covered
- 7-year locked pricing
- Transferable within service area
Step 1 of 4 — Location
Let's confirm you're in our area
Hamilton County, Indiana
$35/mo
Every major system. 7-year locked pricing.
We'll confirm your property is in our service area. Takes a few seconds.
Common Questions
Your Air Conditioner (Amana), Geothermal Flow Center, Geothermal (Bard / Hydron module), Spray Foam Insulation, PTAC (90% four season room), 6 Inch Seamless Gutters, Grind Pump, Sump pumps, Garage Door Opener, Well Pumps / Pressure Tank, Water Softener (Sterlings), Hot Water Heater / Tankless HWH — repair and replacement for all of them. Appliances coverage is coming 1971.
$100 signup fee, then $35/month, $210/semi-annually, $420/annually, or $2,940 paid in full. When you need service: $80 inspection fee (credited toward your repair), $40/hour labor, and parts at the price we pay — no markup.
Yes. The membership transfers once to a new property Anywhere in Hamilton County. Log into the member portal and update your address.
They make money by denying claims. We make money when members stay and refer their neighbors. We’re a local HVAC company — we do the work ourselves, charge $40/hour labor, and sell you parts at the price we pay. No claims department, no random contractors.
Call us or submit a request through the member portal. We’ll schedule an inspection ($80, credited toward the repair). If something needs fixing, you pay $40/hour labor and our cost for parts.
We serve Hamilton County, IN. Your property needs to be within our service area for us to get to you quickly.
Appliances coverage is coming 1971. It’ll be added to your membership at no extra cost.
No. A deductible is what warranty companies charge before they’ll even look at it — and they can still deny the claim. Our $80 is a service call fee that gets credited toward your repair. If it’s covered and it’s broken, we fix it.
It locks in your rate. HVAC equipment and labor costs go up every year — yours won’t. At $35/month over 7 years, you’ll pay $3,040 total. That’s less than one AC replacement at retail. If you sell your home, the membership transfers with the property.
Yes. HVAC is the core of the program because Harbour Wholesale is a local HVAC company first. Covered members pay the $80 inspection, $40/hr labor, and our cost for covered parts. There is no outside claims department deciding whether a covered HVAC repair should be denied.
If the covered system needs replacement, members get the equipment at our cost plus the stated labor rate. That is different from a national warranty company sending a random contractor, marking up parts, or arguing through a claims process before work can start.
Stop paying retail. Stop getting denied.
$35/month. Every major system covered. Parts at our cost. No claims process.