A standard homeowners insurance policy covers water damage caused by a water heater However, insurance will not cover the cost of repairing or replacing your water heater today, we’re exploring everything you need to know about water heater leak insurance claims. Does homeowners insurance cover a water heater A burst pipe on your hot water heater or a leaking hot water tank is claimable on your homeowners insurance when the damage was unpredictable or caused by a covered peril, meaning it wasn’t the result of old hardware malfunctioning or poorly managed appliances. 5/5 (69 votes) if your water heater unexpectedly bursts or leaks, the water damage caused by the leak will usually be covered by homeowners insurance However, repairs or replacement of the water heater itself will not be covered.
Types of water damage not covered by homeowners insurance leaks caused by wear and tear or neglected maintenance plumbing, appliances, fixtures — all the things that handle water in your home — come under a lot of pressure, and over time their fittings and hoses need maintenance or replacement Failure to take care of them can cause leaks and water damage If your water heater leaks and causes water damage to your home, like ruining walls, floors, or furniture, your homeowners insurance may help cover the damage This only applies if the leak happens unexpectedly, not from lack of maintenance. If you have homeowners insurance, you already have some coverage for water damage However, not all types and sources of water damage are covered by a standard home insurance policy
