Will home insurance cover a water heater leak?

The water heater in my basement began leaking early this morning, and luckily, I was able to stop it before it caused too much damage. Will my home insurance policy cover a water heater leak?

Jack Walsh · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Oh no—I’m sorry to hear about your water heater, but it’s great you were able to stop the leak before it caused too much damage!
To determine whether your home insurance will cover a water heater leak, you need to know what caused the leak. If the leak was unexpected and caused by one of the
16 perils
listed in your policy details, your home insurance will cover the water heater and damage. Keep in mind that insurance won’t cover the water heater if the damage resulted from:
  • Normal wear and tear
  • Age or neglect
  • Manufacturer defects
  • Faulty installation
Additionally, even if the water heater isn’t covered, the damage might be, so you should contact your insurance company to explain the situation.
Finally, insurance can be confusing, but it doesn’t have to be. If you want to make comparing quotes and purchasing a home or
car insurance
policy simple, you should use
Jerry is an insurance comparison app that shops for low prices with top insurance companies for free. You will get quotes in seconds, can make changes at any time, and if you ever have any questions, agents are just a text away.
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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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