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Are water heaters covered under home insurance?
The water heater in my house has been acting up a bit recently, so I think it may need to be replaced. My budget is a bit tight at the moment, but I have home insurance. Would my water heater be covered by home insurance?
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
I’m sorry to hear about your water heater. Hopefully, it keeps chugging along for you!
Water heaters may have coverage under home insurance, but only if the damage is from one of the
16 perils
** named in your policy details. For example, damage from fire, accidental cracking, or freezing is typically covered. However, if the damage wasn’t caused by one of these or other covered perils, it’s unlikely you’ll have coverage.
Typically, you won’t have coverage if the damage is from:
- Normal wear and tear
- Age or neglect
- Floods or earthquakes
- Pets
- Birds, vermin, rodents, or insects
Regardless of what caused the damage, it doesn’t hurt to contact your insurance company to explain the situation and ask about what might be covered.
Should you need to pay for the repairs or replacement out of pocket, you can make the cost a bit more manageable by using
Jerry
to ensure you’re getting the best rate on both your home and car insurance
.If you’re hesitant to switch plans or insurance providers because you’re worried about the work involved, don’t be. Jerry does all the paperwork for you and even helps cancel your old policy. And if you have any questions along the way, just text one of our agents through the app. They will always be there to assist you.
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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