Will homeowners insurance cover a new water heater?

Author: Ray Bauch IV  |  Last update: Monday, May 5, 2025

Unless the breakdown of the water heater is due to a covered peril, like repair costs, the replacement costs, too, will not be covered by your homeowners insurance. The more common option to cover the replacement costs of a damaged water heater is to buy an extended warranty.

Does homeowners insurance cover a water heater?

It's important to note that standard homeowners insurance policies typically only cover damage to the structure of your home and personal property. They do not include replacement cost coverage for the heater itself.

How much does it cost to replace a leaking water heater?

If you're having problems with your hot water heater and it's 10 to 15 years old—the typical life span of a gas hot water heater—you may want to consider replacing it rather than repairing it. Water heater replacement costs about $1,300 on average.

What type of water damage is not covered by insurance?

If the damage is sudden, accidental, and comes from inside your home, you're typically protected with a standard homeowners insurance policy. However, you typically won't be covered if the water damage is caused by outside flooding or a neglected repair.

Are water heaters covered under a home warranty?

Yes, most home warranty plans typically cover water heaters, as they are considered essential home systems. Additional home warranty coverage for home systems can include heating, ductwork, central air conditioning, garage door openers, attic, ceiling and exhaust fans, central vacuum systems, and electrical systems.

Will Homeowners Insurance Cover Water Heater? - Aurora CO

Does insurance pay for new water heater?

If your water heater unexpectedly bursts or leaks, the water damage caused by the leak will usually be covered by homeowners insurance. However, repairs or replacement of the water heater itself will not be covered.

Will American Home Shield replace an old water heater?

If your heater is about 10 years old or older, replacing it might make financial sense. If you have an American Home Shield home warranty, we will repair or replace your covered water heater break down and make sure you get the right Pro for the job.

Why would a water damage claim be denied?

Reasons for denial can range from the nature of the damage itself—such as gradual damage that occurred over time—to issues with how the claim was filed, including missed deadlines or insufficient documentation. Furthermore, unreported property modifications can also lead to complications during the claims process.

How do I know if my homeowners insurance covers water damage?

Under most standard home insurance policies, if water damage occurs suddenly or accidentally from a source inside your home, such as a busted pipe, it will likely be covered by your homeowners insurance. If the water comes from outside your home, it will not be covered by your standard policy.

Should I call plumber or insurance first?

Overall, it is best to make sure to call insurance, right after you call the emergency plumber, when dealing with water damage in the home. Acting swiftly to maintain your home and minimize water damage will ensure your claim is best supported.

What is the life expectancy of a water heater?

While today's water heaters are better designed than older models, they still require regular maintenance in order to prolong their lives. With regular inspection, draining, and flushing, you can expect a gas water heater to last anywhere from 8-12 years and an electric water heater to last anywhere from 10-15 years.

Is it normal for a new water heater to leak?

If your water heater was installed in a hurry or has a loose or otherwise faulty fitting, a poor connection could be to blame for your leak. In addition, plumbing materials can experience damage from issues such as expansion and contraction caused by temperature changes, wear and tear caused by pressure, and more.

Does new water heater lower insurance?

A new water heater can significantly reduce your insurance premiums due to the lower risk involved. If your water heater is old or faulty, find a professional plumber to replace it.

Can you claim a heater on insurance?

Yes, typically, standard home insurance covers heating systems, including space heaters, and the potential fire damage they may cause.

Does Lowes install water heaters?

Lowe's Water Heater Installation

Let us replace and install your new water heater. Our Independent Service PROviders can help you with both tankless and traditional water heater tanks, including gas water heaters, electric water heaters and tankless gas water heaters.

Does home insurance cover a water heater?

As long as you've properly maintained the water heater, your homeowners policy would likely cover the water damage. For example, it could pay for new flooring and replace ruined furniture. However, it wouldn't pay to fix or replace the water heater unless you've added equipment breakdown coverage to your policy.

How do I make a successful water leak insurance claim?

7 Tips when Filing a Home Insurance Claim for Water Damage
  1. Step 1: Determine the Source of the Water. ...
  2. Step 3: Call your Insurance Agent. ...
  3. Step 4: Get the water and moisture professionally removed. ...
  4. Step 5: Determine if you can remain in your home. ...
  5. Step 6: Take photos of the damaged area. ...
  6. Step 7: Contact an Adjuster or Lawyer.

Why is water damage not covered by insurance?

Water damage is NOT covered when it's the result of a lack of home maintenance/neglect (e.g. a roof you haven't repaired in 30 years). Flood water damage is also NOT covered (unless you have a separate policy for flood insurance in Massachusetts).

Does State Farm home insurance cover water damage?

It depends on the source of the water. If a pipe bursts, your homeowners insurance may help pay for the damage caused by a covered loss. If a river or other bodies of water overflow, most homeowners insurance policies — including those offered by State Farm — would not cover damage caused by flooding.

What are the two main reasons for denying a claim?

Common Reasons for Claim Denials
  • Process Errors.
  • Coverage.
  • Services Not Appropriate or Authorized.

Will my homeowners insurance go up if I file a water damage claim?

So, does homeowners insurance go up after a claim? Absolutely, but now you know why and how. You've learned that the type of claim matters—water damage or theft could hike your rates more than others. You understand filing multiple claims might not only raise costs but also risk policy renewal.

Does a home warranty cover a new water heater?

The good news is that most standard home warranty plans will cover your water heater.

What is considered old for a water heater?

If you suspect your water heater is more than 10 years old—it is time to consider replacing it before you're left with an emergency decision. To determine the age of your water heater, you'll need to identify the Brand Name and Serial Number for your unit.

Who would replace a water heater?

The short answer is that plumbers typically service water heaters, whether it's gas or electric. An electrician may also be able to fix an electric hot water heater, assuming the problem is electrical.

Previous article
How much does labor cost for epoxy coating?
Next article
Which is healthier, cast iron or ceramic?