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What fan settings should I be using on my thermostat?

One of the most common questions homeowners face is whether to set the thermostat fan to AUTO or ON. The answer often depends on climate, and what works up north isn’t always right for homes in Southwest Florida.

An Empty House is a Vulnerable Home.  Naples Property Home Watch LLC., Where TRUST MEETS PEACE OF MIND!

AUTO vs. ON – What’s the Difference?

  • AUTO: Fan runs only when the system is heating or cooling. Once the desired temperature is reached, the fan shuts off.

  • ON: Fan runs continuously, circulating air even when the system isn’t cooling or heating.

Which is Best for Southwest Florida?

With Florida’s high humidity (above 55% for much of the year), controlling moisture is more important than maintaining perfectly even temperatures. Most homes here are single-story concrete structures, which hold temperature better than wood-frame houses up north.

For seasonal homeowners, the ON setting can be risky—it continuously recirculates humid air, raising the chances of mold. Since insurance often denies claims for mold tied to poor maintenance, managing humidity is critical.

Recommendation: In Southwest Florida, always set your thermostat fan to AUTO, especially if you’re away for the season.

 

Benefits of ON

  • Temperature Balance – Continuous circulation keeps the whole home at a more even temperature, helpful in multi-level, wood-frame houses.

  • Cleaner Air – The air filter works whenever the fan is running, reducing allergens and pollutants.

Drawbacks of ON

  • Faster Filter Clogs – Dust builds up quicker, requiring more frequent changes.

  • More Wear & Tear – Constant use shortens fan life and increases maintenance costs.

  • Higher Energy Bills – Adds $40–$80 per month on average.

  • Humidity Problems – Warm coils push moisture back into the home instead of draining it, worsening humidity—especially in Florida.

Benefits of AUTO

The main advantage of AUTO is humidity control. By running only during cooling cycles, the fan allows moisture to condense on the evaporator coil and drain properly. This prevents humid air from being recirculated and helps reduce the risk of mold growth.

Final Thoughts

Whether you’re a year-round resident or spend part of the year elsewhere, protecting your home is essential to maintaining its value and safety. By understanding where your home is most vulnerable and taking proactive steps, you can prevent costly and stressful damage.

If you need a trusted home watch or concierge service in Naples, Naples Property Home Watch LLC., is here to help keep your property safe, maintained, and ready for you anytime.