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Is my water heater covered under my home insurance policy?
My water heater has finally kicked the bucket. It’s old and from the 80s, so I knew I’d have to replace it eventually. I have a home insurance policy. Would my water heater be covered under my home insurance?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
You’ve definitely gotten a lot of life out of your water heater, but nothing lasts forever. It’s great you have a home insurance policy, and while it can occasionally provide coverage for broken water heaters, in this instance you won’t have coverage under your home insurance.
While home insurance commonly covers
named perils
, there are exclusions. Most commonly, these exclusions are:- Age
- Lack of maintenance or upkeep
- Wear and tear
- Mechanical breakdown
- Deterioration
Since your water heater is close to 40 years old, it’s unlikely something other than age caused its demise.
That said, if fire, freezing, or a similar event caused the damage, it’s worth reaching out to your insurance company. If the damage was accidental and sudden, you could have coverage.
Once you get a new water heater, consider using
Jerry
to review your home and car insurance options. Jerry is a licensed insurance broker that gathers quotes from top insurance providers in seconds. They even help cancel your old policy once you’ve made your pick, saving you time and money. View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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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