Does Home Insurance Cover Boiler Replacement? 
Boilers are a specialized form of insurance and include inspection services . The homeowners policy will cover a loss that results from a sudden release of water or steam . The vessel is the issue here and a homeowners policy does not cover the boiler . The same is true of a residential hot water heater . The policy will pay for loss as the result of a failure ; however , it will not replace the appliance . 