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Homeowners insurance may cover the repair or replacement of a water heater if it's damaged by a covered peril, such as a fire or a burst pipe. However, policies typically do not cover repairs or replacement needed due to normal wear and tear, old age, or lack of maintenance. For these issues, a home warranty or a manufacturer's warranty may provide coverage. While the policy might not pay to fix or replace the malfunctioning appliance itself, it often covers the cost of water damage restoration caused by the faulty water heater. Always check with your insurance provider to understand the specifics of your policy.

We recommend you turn off the unit, the power, and the water supply as soon as you notice a leak. Your water heater tank should have a dedicated shut-off valve located on the cold inlet pipes. If the valve is broken or inoperable, use the shut-off valve to your home's main water supply to stop the flow to the entire house.

Avoid touching valves or pipes directly without confirming if they are hot. Wear gloves and other safety gear to keep from coming into contact with hot levers or components when turning off your leaking water heater.

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.

Gas water heaters last between eight and 12 years on average. You can help them reach their maximum lifespan with regular cleanings, maintenance, and professional checkups, though don’t hesitate to swing for a full replacement if the total cost of repairs is greater than that of purchasing and installing a new unit.