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Water Heaters questions, answered by experts

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.

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

Electric water heaters do not need an attached vent, but the location of the water heater should allow for roughly 12 inches of clearance around it. This allows cool air to flow around the appliance and allows repair technicians to work on its components safely. The exact amount of clearance space required depends on your local building codes.

Tankless water heaters heat water as it passes through the unit instead of storing heated water in the tank. Their ability to produce hot water on an as-needed basis makes them more efficient. However, they are generally more expensive than traditional units. Is a tankless water heater worth it? Most homeowners will save money with a tankless unit in the long run by using less energy.

Unless they are connected to the same system, boilers and water heaters will both need their own expansion tanks. The only case they wouldn’t have separate expansion tanks is if the boiler is pulling double duty and managing a heating system while also supplying hot water for a home. In which case, you may not need a hot water heater.

The Camden, IN 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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