They look at age of air handler and water heaters due to damage they can cause. That damage can far exceed cost of replacement of old unit. So, insurance exclude wear and tear, but have high risk on old units costing other expensive damage to home.
If you read every word of the policy (fine print ) you’ll see lot of exclusions in lawyers jargon which most don’t understand.
Somebody mentioned home warranties, good luck with that, IMO their lawyer jargon worse than home insurance policies. I had neighbors that had home warranties, they IMO rarely even pay anything.
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