Is there a insurance that rental property owners can buy for appliances and HVAC units and other losses?
Is there a insurance policy that rental property owners can purchase to cover losses that homeowners policy does not cover?
There are home warranty programs, but I don’t know as though they would be available to landords that have tenants.
http://www.ahswarranty.com/
Home warranties are available, but they are expensive and not really worth it.
If you can’t afford to replace an HVAC you haven’t set aside enough cash reserves and you don’t have much business being a landlord.
Boost your cash reserves and become more self-reliant.
good luck!