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Chilled water HVAC systems use water instead of traditional components and refrigerants. They're more common in commercial settings than residential ones but are slowly being adopted by some homebuilders to cool homes. As the name implies, the system keeps the water chilled at 40 degrees and circulates it through water coils. The water absorbs the heat from your home and drains outdoors. Condo apartments are more likely to have chilled water HVAC than single-family homes because this system is designed to cool several rooms or large areas individually.

No, boilers and water heaters are not interchangeable because they serve different primary functions. Boilers are used for central heating systems, providing hot water or steam to heat your home. In contrast, a water heater's purpose is to supply hot water for daily household use, such as for faucets and showers. A water heater alone cannot supply the warm water or steam needed for a central heating system.

While they are not interchangeable, it is common to have both a boiler and a water heater. In fact, a conventional boiler often works best when a water heater system is already in place. The two systems can be combined to provide both heating and hot water, either by pairing a boiler with an indirect water heater or by installing a premade combination boiler-water heater unit. For home heating, some homeowners may also opt for a furnace instead of a boiler.

Generally, an oil furnace is considered safer than a gas furnace for several reasons. While both types of furnaces can produce carbon monoxide, a leak in an oil furnace is easier to detect due to the smell. Oil furnaces also don't connect to a gas pipeline, which reduces the chance of a fuel leak. Most importantly, heating oil is not combustible, whereas natural gas is highly flammable. This means there is a much lower risk of combustion or explosion with an oil furnace. However, an oil furnace can still pose a fire hazard if it tips over.

Many HVAC companies offer free quotes and free estimates for repairs and new HVAC systems. Others offer low-cost quotes or apply the cost of the estimates or diagnostics to your final bill if you hire them. Be aware that some companies advertise free HVAC quotes and recoup the costs by charging more for their services. Free HVAC quotes are never truly free—they cost the company time and effort—so be a good customer. Also understand that you may end up paying for free quotes in another way if you don’t hire a reputable company.