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Last update on January 14, 2026

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Water Heaters questions, answered by experts

When wondering what size of breaker for a water heater is appropriate, the majority of hot water heaters need a 30-amp, two-pole breaker. Most residential water heaters use 240 volts and between 3,500 and 5,500 watts. If your appliance matches these measurements, a 30-amp breaker is likely perfect. Owners of point-of-use water heaters using 120 volts and between 1,500 and 3,000 watts often find that a 30-amp breaker is adequate. Water heaters that use more watts than average may need a 40-amp breaker. Smaller units that use fewer watts could potentially use a 20-amp breaker.

Every type of water heater has its advantages and disadvantages. Understanding those can help you decide the best type for your situation and budget. 

Pros

  • Safer than gas or propane

  • Doesn’t require extensive venting systems

  • Lower upfront costs

  • Simpler to operate

  • No pilot light

  • Easier installation

  • More efficient heating than gas models

  • Available as point-of-use (POU) and whole-house units

Cons

  • Slower to heat water

  • Longer recovery time

  • Possibly higher operating costs

  • Doesn’t work during a power outage

  • Costs can increase without a 240-volt connection

Homeowners' insurance covers water heaters under certain circumstances. If your water heater is damaged due to a covered event, like a fire or burst pipe, your policy may pay for repairs or replacement. However, insurance won’t cover wear and tear, old age, or neglect. If a malfunctioning water heater causes water damage, your policy may help with cleanup and repairs, but not fixing or replacing the heater itself unless the damage resulted from a covered event.

No. Boilers and water heaters are not interchangeable because they serve different purposes. A water heater will never be able to supply warm water or steam for your central heating system. In most homes, a boiler and a water heater may be combined to provide heating and daily use of hot water. Other homes may opt for a furnace over a boiler for their heating needs.

Signs your electric water heater is failing include inconsistent water temperature, reduced hot water supply, longer heating times, or discolored water (rusty or cloudy). Unusual noises like popping or rumbling suggest sediment buildup, while leaks or corrosion around the tank signal structural damage. If your unit is over 10 to 15 years old and experiencing frequent issues, it may be time to replace it.

The Fruithurst, al homeowners’ guide to water heater services

From average costs to expert advice, get all the answers you need to get your job done.

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