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They can be. There's not really enough information in your question to give a concise answer.
Some questions to ask yourself:
Are their exlusions in the policy that would not cover this? (read the policy)
Was someone negligent in setting the water temperature (i.e. did someone crank the thermostat all the way up and create a hazard)?
If the burns are simply an accident, then you may be covered. Again, read the policy. If you are being sued by someone not in your family that was burned in your home by hot water, consider getting the opinion of a legal professional on how to handle the situation.
If a family member has been burned accidentally, using medical insurance may be a "better" option than filing a claim with your homeowner's insurance.
Good luck with this one. I hope that no one has been seriously hurt.
Wiki User
∙ 14y ago
Wiki User
∙ 14y agoIt depends on the terms in your homeowners insurance policy that you purchase.
http://en.wikipedia.org/wiki/Home_insurance#Classes_of_coverage
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Will insurance cover a hot water heater?
Regular home owners insurance does not cover a water heater. If it leaked and damaged the floor, carpet, walls or furnishings, those would be covered, but not the heater.
Does allstate cover damage from a water heater?
They cover just about everything if you have the right policy
Does homeowners cover water damage from a leaky roof?
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
Does home owners insurance cover water damage caused by the neighbor?
cover
Does insurance cover water damage?
That depends on the individual contract. Insurance products differ.
Does homeowners insurance cover water damage from a leaky dishwasher?
The insurance company will cover the damage caused by the water only, e.g., drying out the ceiling and floor covering. They will then pay to repair the room; damaged walls and floors. If the skylight leaked due to hail damage or other falling objects, the insurance will pay to replace the skylight.
Does homeowners insurance cover damage done by foundation failure?
No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.
Does homeowner's insurance cover non-flood damage for water in basements?
Homeowner's insurance is a very important essential if someone owns a home. This insurance does not cover non-flood damage for water in the basement, though. It only covers flood damage or loss of valuables. http://wiki.answers.com/Q/What_does_homeowners_insurance_cover
Will homeowners insurance cover water damage to an electrical panel?
Depending on the source of the water, typically yes.
If you are renting an apartment and the water heater suddenly starts leaking will the landlord's home insurance cover damage to books and comic books?
Typically, the landlord's home insurance would cover damage to the structure of the apartment but not your personal belongings like books and comics. You would need to have renter's insurance to cover damage to your personal property in such a situation. It's important to have your own coverage to protect your belongings in cases like this.
Will your insurance cover a water heater break?
I have home insurances from Mercury. They did not cover for the damage of water heater nor the labor cost to install a new one. You should buy separate insurances that covers such things, like water heater, faucets, tank gas, stove, etc Hope that helps Long Beach student.
Does homeowners insurance cover water damage from leaky windowas?
Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.
