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Is my hot water heater covered under home insurance?

My home’s hot water heater stopped working last night. I have a repairman coming over later today to take a look. However, before I pay for any repairs, is my hot water heater covered by my home insurance policy?

avatar
Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A broken hot water heater is never a pleasant experience. Both the cold showers and repair costs can be stressful to think about!
To find out if your hot water heater is covered under home insurance, you need to determine the cause of the damage.
Generally, insurance companies only offer coverage if the damage resulted from one of the
16 covered perils
listed in your policy. Covered perils often include fire, freezing, or accidental bulging or burning.
That said, your insurance won’t cover the damage if it’s the result of:
  • Normal wear and tear
  • Age or neglect
  • Floods and earthquakes
  • Pets
  • Birds, vermin, rodents, or insects
To be safe and confirm what coverage you have, contact your insurance company and explain the situation.
Should you have to pay for repairs out of pocket, you can recoup some of your losses by using
Jerry
to save on both your home and
car insurance
.
A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and will even help you cancel your old policy.
View full answer 
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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