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Does home and contents insurance cover a hot water system?
I have a home insurance policy that includes coverage for my personal property. My home is older and I’m worried that my hot water system could go. Would my home and contents insurance cover the hot water system?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Great question! A standard
home insurance
policy includes coverage for your home and contents for covered perils, which may include a hot water system.Home insurance policies will cover damage from
16 covered perils
, which includes accidental damage to certain things in your home, including a hot water system. However, home insurance won’t cover a hot water system if it breaks due to:
- Mechanical failure
- Age
- Neglect
- Normal wear and tear
Since your home is older, it’s unlikely you could submit a claim to your home insurance if your water system breaks down unless a covered peril caused the damage. Even so, your home insurance may still deny your claim, arguing that a newer system could have withstood the damage, and age was a contributing factor.
To learn more about your coverage, you’ll want to look over your policy’s terms and conditions. You can also get in touch with an agent, who can explain more about your policy and its coverages.
If you decide you’d like to explore other options for insurance after reviewing your policy, use
Jerry
. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home insurance. Jerry will even help you cancel your old policy.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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