Will your insurance cover a water heater break?

Answer 1

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.

Answer 2

It depends on how your water heater was damaged. Fire, wind, hail, etc. The same as the rest of your property, and subject to your deductible, See you schedule of covered perils for a complete list.

Bear in mind that most home water heaters can be repaired and even completely replaced for far less than the cost of the typical homeowners insurance deductible.

A Broken water heater resulting from deterioration due to age or normal wear and tear are considered home maintenance issues and are not covered perils under a homeowners insurance policy.

Although the water heater itself may or may not be covered depending on the cause of the break. ensuing damage would be covered if your home insurance policy has coverage for damage from an accidental water discharge.