Is A Water Heater Covered By Homeowners Insurance? 
This is a difficult question to answer without viewing your specific policy and the coverages contained in it . Is a water heater covered within a policy , generally yes . It just depends on what happens . For example , general wear and tare is not covered under the standard homeowners policy ; however , if you adding coverage for appliances or household items -LRB- that would have cost you more each year -RRB- or you pay for a home warranty , it could be covered for wear and tare . If the damage is from a busted pipe that occurred by no fault of your own or was from a power surge , it could be protected if the policy is setup correctly . It does come down to what exactly you have your policy and within the policy what the limits are . If you have a home warranty program that is always the best way to go because claims with the warranty companies will not result in higher premiums for your homeowners policy , but if you take a claim against your homeowners for the coverage -LRB- EVEN if it is n't covered -RRB- it could result in a slight increase in your prices for next year . If the cost is less than your deductible it would n't benefit you to make a claim on the home policy either . 