Is A Water Heater Covered By Home Insurance?

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   Dan Beukelman

   CSR, American Family Insurance,

   Your water heater is part of your home, just like th rest of your plumbing system, so yes, it would be covered.  What it is covered for depends on what type of coverage you have purchased.  For example home insurance doesn't pay for mechanical failure, so if it just quits working you don't have a claim.  If your water heater bursts, you may have coverage for water damage coming out of the water heater if you have a "Special Form" policy.  If the house burns up and your water heater goes along with it, your insurance should pay for a home with a water heater.  So you see it depends a lot.  Email me with specifics at dbeukel1@amfam.com

   Answered on May 28, 2014

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