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You don’t have to replace expansion tanks at the same time as your hot water heater. You may be able to go six to 12 years or more before needing to replace your expansion tank. At $150 to $450, hot water heater expansion tanks are usually much more affordable than the cost of hot water tanks themselves, which average about $1,190.

While not all homes require a hot water heater expansion tank, they are necessary in most newer homes and are often mandated by local building codes. Codes typically require an expansion tank if your plumbing system is a 'closed-loop' system, which often includes a backflow preventer or pressure regulator on the main water line. Some municipalities have specific requirements. Installing an expansion tank on a closed system is crucial, as it prevents excess pressure that can damage your water heater and other appliances, potentially shortening their lifespan. However, tankless water heaters do not require an expansion tank.

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.

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.