Is A Water Heater Covered By Homeowners Insurance? 
It really depends upon the cause of the presumed damage to your water heater . If the unit simply fails , or bursts die to wear and tear , then the resulting water damage to your property may be covered but not the unit itself . If the unit is damaged as a result of a lightening strike , however , it may be possible that the damage to the unit may be covered under your Homeowners ' policy . Talk to your Insurance Professional about the specific terms and conditions of your contract . 