Does Homeowners Insurance Cover Water Heater Replacement?

  1. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    If your asking can homeowners insurance cover your water heater because it wore out then the answer is no. Insurance polices are not maintenance polices and do not cover wear and tear. Some insurance polices do an option for mechanical breakdown at an extra premium but again, even this extension of coverage would not cover just plain old wearing out.
    Answered on May 26, 2013
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