Home insurance is a type of property insurance that covers your home’s structure and your belongings in case of a destructive event. While home insurance covers some household items, it does not provide coverage for all of them.
In this article, we will focus on a specific household appliance – the water heater – to answer the question: does home insurance cover hot water heaters?
Does Home Insurance Cover Hot Water Heaters?
The answer to this question isn’t a simple yes or no. Your homeowners’ insurance policy will cover damage from the water heater in certain cases, and in some scenarios, it won’t.
For example, you can seek compensation for a burst pipe of a water heater or a leaking tank when the damage was unpredictable or resulted from a peril covered under your policy, such as a fire or storm.
If the insurance adjuster finds that you had an old water heater and it leaked, your insurance firm could deny paying for damages. If the water heater has been leaking for a long time and you failed to notice it, then you will be at fault, and your insurance policy will not cover the damages.
Will Insurance Replace An Old Water Heater?
Unless your heater fails because of a covered risk, such as a hurricane or a house fire, your insurance excludes any replacement of the hot water heater. As a result, buying extended warranties for pricey equipment you want to use for a long time is frequently advised.
Even if the incident was unavoidable, the home insurance policy will still only cover water damage from a broken or burst pipe connected to the heater. They will not pay for the replacement of the actual water heater.
Final Verdict
To avoid huge financial losses, performing routine maintenance on your hot water heater is crucial. When it comes to water heater maintenance and care, you can get help from our staff at East Falls Plumbing and Heating. We are available around the clock to ensure that all problems with your plumbing and heating systems are promptly resolved. We are experts in all plumbing and heating solutions, and you can get in touch with us here.
