The components inside a ductless mini-split are not identical to those in a conventional central air conditioner, and the risks they carry are not the same either. Understanding what makes ductless systems distinct helps explain why ductless-specific protection matters.

Inverter Boards Are Expensive and Ductless-Specific

Most modern ductless systems use inverter-driven variable-speed compressors controlled by an inverter board — a sophisticated piece of electronics that has no equivalent in a standard central AC system. When an inverter board fails, repair costs typically run $500 to $1,100 for parts and labour. These boards are brand-specific and sometimes model-specific, meaning they must be sourced from the manufacturer or an authorized parts channel — which can affect both cost and availability.

Multiple Indoor Units Mean Multiple Failure Points

In a multi-zone ductless setup, each indoor air handler contains its own fan motor, control board, drain pump (if equipped), and associated electronics — all of which can fail independently. A three-zone system has three sets of indoor components in addition to the shared outdoor unit. A protection plan that covers all zones under a single agreement provides comprehensive coverage across a system that has inherently more failure points than a single-unit central AC.

Refrigerant Systems Are Pressurized and Technician-Only

Ductless systems use pressurized refrigerant circuits that connect indoor and outdoor units through small line sets. Refrigerant leaks — whether at connection points, in the evaporator coil, or in the line set itself — require a certified technician with the proper tools and credentials to locate, repair, and recharge. Without a protection plan, a refrigerant recharge alone can cost $200 to $600, and a coil repair can run $500 to $1,200 before labour.

Heat Pump Systems Run Year-Round

A ductless heat pump accumulates operating hours across both the cooling and heating seasons — potentially running eight months or more per year in Ontario's climate. More operating hours mean accelerated wear on components including the compressor, capacitors, fan motors, and control electronics. The case for protection coverage is stronger for a system that runs year-round than for one that only operates in summer.

Our ductless protection plan is designed to cover the components most likely to cause a system failure — including the high-cost items that make a single repair call genuinely painful without coverage in place.

Covered Components and Repairs

• Compressor — the most expensive single component in any ductless system, and the one whose failure typically signals end-of-life without coverage.
• Inverter board — the variable-speed control electronics unique to modern ductless systems.
• Control boards and PCBs — both indoor and outdoor unit control electronics.
• Capacitors and contactors — high-wear components that fail regularly under Ontario summer demand.
• Outdoor condenser fan motor and indoor blower motors.
• Evaporator and condenser coils — including repair of confirmed refrigerant leak points.
• Refrigerant recharge up to the plan's specified limit when a leak is confirmed and repaired.
• Electrical components including relays, transformers, and wiring faults within the unit.
• Drain pump failure (where equipped on indoor units).

Labour — Fully Included

Every covered repair includes both parts and labour. HVAC labour rates in Ontario run $100 to $200 per hour, and a diagnostic visit plus repair can easily consume two to three hours of technician time. Our protection plan eliminates that variable entirely — you are not billed for labour on any covered repair.

24/7 Emergency Service Access

Protection plan holders have access to our 24/7 emergency dispatch line. If your ductless system fails on a Sunday afternoon in July, you are not told to call back on Monday. Our technicians are available around the clock for plan holders, with priority dispatch ahead of standard service calls.

Here is a direct look at what common ductless system repairs cost Ontario homeowners without a protection plan in place — and what they cost with one:

Repair costs are estimates for the Ontario market. Actual costs vary by brand, model, system age, and parts availability. A diagnostic fee may apply and is often credited toward the cost of repair. All covered repairs under the Constant Home Comfort protection plan include parts and labour at no additional charge.

Most new ductless systems come with a manufacturer warranty on parts — typically five years on most components and up to twelve years on the compressor for brands like Daikin when properly registered. This sounds reassuring, but it leaves significant gaps that protection plan holders do not face:

The manufacturer warranty covers parts. The CHC protection plan covers everything the warranty does not — particularly labour, refrigerant, 24/7 emergency access, and continuity of coverage beyond the warranty period.

If your home has a two-, three-, four-, or five-zone ductless system, the argument for a protection plan is even more compelling than it is for a single-zone unit. Here is why:

• More indoor units means more individual components — fan motors, blower motors, control boards, drain pumps — that can fail independently of one another. A single protection plan covers all of them.
• The outdoor condenser in a multi-zone system is more heavily loaded than a single-zone condenser — it is managing heat exchange for multiple zones simultaneously. This additional demand accelerates wear on the compressor, capacitors, and fan motor.
• The financial exposure of an unprotected multi-zone system is proportionally higher. A single repair event on a multi-zone system can involve multiple indoor units or a shared outdoor condenser failure that takes down all zones at once.
• A protection plan that covers all zones under a single agreement is a far more cost-effective risk management tool than carrying no coverage on a $10,000 to $15,000 multi-zone installation.

New system owners sometimes question the value of a protection plan when a manufacturer warranty is already active. The answer comes down to what the warranty actually covers — and what it does not.

The manufacturer warranty on a new ductless system covers parts only. Labour is not included. A service call that results in a covered parts repair under the manufacturer warranty still costs you $200 to $400 or more in diagnostic and labour fees. A protection plan covers that labour cost from day one.

For systems that are three years or older and approaching the point where the most comprehensive warranty coverage begins to roll off, a protection plan becomes increasingly important. The components most likely to fail — capacitors, contactors, fan motors, and control boards — are also the ones most exposed once the warranty period ends.

For systems running R-410A refrigerant that are approaching the end of their service life, a protection plan conversation is best paired with a candid assessment of whether repair or replacement makes more financial sense. Our technicians will give you that assessment honestly.

A protection plan and a maintenance plan serve complementary roles — one prevents problems, one protects you when problems still occur. Together they provide the most complete coverage possible for your ductless investment:

• The maintenance plan ensures your system is professionally serviced each year — coils cleaned, refrigerant checked, electrical connections inspected, and drain lines cleared. This prevents the most common causes of ductless system failure.
• The protection plan covers the cost of repairs for failures that occur despite proper maintenance — because even well-maintained systems experience component failures over their lifespan.
• Maintenance plan service records satisfy the documentation requirements that manufacturer warranties often impose, protecting your warranty coverage while the plan is active.
• Plan members who carry both maintenance and protection coverage receive priority scheduling and the lowest available service rates for any work outside the scope of either plan.

Constant Home Comfort offers bundled options covering both maintenance and protection for your ductless system — and can extend that combined coverage to your furnace or other HVAC equipment for whole-home peace of mind in a single plan.

Our ductless protection plan is the right fit for:

• Owners of ductless systems that are two years or older, where the most comprehensive warranty coverage is beginning to narrow.
• Multi-zone ductless system owners whose equipment represents a $8,000 to $18,000 investment and whose exposure to repair costs is proportionally higher.
• Homeowners who use their ductless heat pump year-round and accumulate operating hours faster than seasonal-only users.
• Anyone who recently purchased a home with an existing ductless system and does not have full visibility into the system's service and repair history.
• Homeowners who cannot easily absorb a $1,000 to $2,500 emergency repair bill and want the certainty of predictable coverage costs.
• Those who want 24/7 emergency access during Ontario's hottest months without paying emergency premium rates out of pocket.

There is a meaningful difference between a protection plan backed by the company that knows and services your system and a third-party warranty administered by an organization that does not. Here is what makes the Constant Home Comfort protection plan the right choice for Ontario ductless system owners:

• We are the service provider — our own certified technicians perform every covered repair. There is no third-party administrator, no claims adjuster, and no dispute about what is covered before a technician shows up.
• Ductless-specific expertise — our technicians are trained and equipped to service inverter-driven systems from all major brands including Daikin, GREE, Lennox, Bosch, Mitsubishi, LG, and Samsung.
• Transparent plan terms with no buried exclusions — we tell you what is covered before you sign.
• 24/7 emergency availability — not just during business hours.
• The option to combine ductless and furnace protection under a single bundled plan.
• Service across all of Ontario — Toronto, GTA, Hamilton, Ottawa, Barrie, Burlington, Waterloo, London, and beyond.
• A company that has been trusted by Ontario homeowners for years and stands behind every plan it sells.

Does the protection plan cover inverter boards on my ductless system?

Yes. The inverter board is a covered component under the Constant Home Comfort ductless protection plan. Inverter board failures are among the more expensive repairs unique to modern ductless systems — typically $500 to $1,100 for parts and labour — and represent exactly the kind of unexpected cost a protection plan is designed to absorb.

Does my ductless protection plan cover all indoor units in a multi-zone system?

Yes. Our protection plan is structured to cover your ductless system as a whole — both the outdoor condenser unit and all connected indoor air handlers. Each indoor unit's components, including fan motors, control boards, and drain pumps, are covered under the plan. Contact our team for details on how multi-zone systems are structured and priced under our plan options.

What is the difference between a ductless protection plan and a maintenance plan?

A maintenance plan covers scheduled annual professional tune-ups — the preventive servicing that keeps your system running efficiently and catches problems early. A protection plan covers the cost of parts and labour when a component fails unexpectedly. Maintenance prevents most failures; protection covers the ones that still occur. The two plans are most effective when used together.

Can I get a protection plan if I did not buy my ductless system from Constant Home Comfort?

In most cases, yes. We will assess your existing system before enrollment to confirm its current condition and eligibility. Systems with pre-existing faults or in advanced states of wear may be assessed on a case-by-case basis. Contact our team to discuss your specific equipment and situation.

What happens if my ductless system cannot be repaired under the plan?

If a covered component cannot be repaired, or if repair is not economically practical relative to the plan terms, we will work with you on a replacement solution. Protection plan holders receive preferred pricing on new ductless system purchases through Constant Home Comfort, and our team will help you navigate any available rebates and financing on a replacement system.

How do I make a claim when my ductless system breaks down?

Call our service line at 1 (888) 675-5907 and identify yourself as a protection plan holder. Our dispatch team will prioritize your call, confirm your coverage, and send a certified technician to diagnose and repair the fault. For covered repairs, there is no out-of-pocket cost beyond any applicable service call fee specified in your plan. The process is straightforward and designed to get your system back running as quickly as possible.

Is there a waiting period before my ductless protection plan coverage begins?

Plan terms vary, and some plans include a short waiting period before full coverage is active. Our team will walk you through the specific terms at the time of enrollment so you understand exactly when coverage begins and what is included from day one. There are no surprises once you are enrolled.

Protection plans cannot be added once a fault has already developed. The right time to enroll is now — while your system is operating and before the peak summer demand season pushes your equipment to its limits.

Constant Home Comfort makes enrollment simple. Call us at 1 (888) 675-5907 or complete our online form and one of our team members will walk you through the plan options suited to your system — whether you have a single-zone unit or a whole-home multi-zone installation. We will confirm what is covered, answer every question you have, and get you enrolled with full coverage in place before the next heat wave arrives.

We serve ductless system owners across Toronto, the GTA, Hamilton, Ottawa, Barrie, Burlington, Waterloo, London, and all of Ontario.