1. 3485 POINTS
    J Scott BurkePRO
    President, Newbury Inc., Evansville, Indiana
    Homeowners insurance does not cover the replacement of an old hot water heater but it MAY cover damage caused by a leaking hot water heater as long as the home owner is not found to have neglected the normal maintence of his home which does include replacing your water heater before it rusts through.
    Answered on April 14, 2013
  2. 910 POINTS
    Ken Boncela
    Ageny Owner, Farmers Insurance, Ken Boncela Insurance & Financial Services, Oswego, lllinois
    Many insurance companies offer separate plans that cover the breakdown of mechanical systems in the home. The are designed to help you keep their home running smoothly. The plans provide coverage for unexpected financial losses due to the breakdown of covered major appliances, heating, air conditioning, plumbing and electrical systems. They help provide coverage where homeowners insurance does not.
    Answered on April 18, 2013
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