Does homeowners insurance cover a water heater?

• <div><p>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.</p></div>

What size of circuit breaker do I need for an electric water heater?

• <div><p>Standard electric water heaters (about 40 gallons) typically need a 30-amp circuit breaker. But if you have a newer model, a tankless water heater, or one that’s more energy efficient, you’ll likely need a higher amperage to power it. </p><p>Having the right size circuit breaker for your water heater is an important part of making sure it heats water efficiently and runs safely. A licensed electrician can help you navigate your options, and determine what you need for your new water heater. </p></div>

Get matched with top water heater pros in Victoria, MN

There are 21 highly-rated local water heater pros.

TRUSTED BY VICTORIA, MN HOMEOWNERS

4.9
Average homeowner rating
38
Verified water heater services reviews

Verified Reviews for Water Heater Service pros in Victoria, MN

*The Angi rating for Water Heater Service companies in Victoria, MN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Water Heater Service needs.

*The HomeAdvisor rating for Water Heater Service companies in Victoria, MN is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Water Heater Service needs.

Last update on October 04, 2025

Reviewed in September 2025
Excellent experience! I hired Pure Mechanical based on their straightforward approach and no frills pricing. They got me scheduled within a week and the work was done in a timely manner. The owner Kelly and the installer Chad were both professional and knowledgeable of their trade.
Pure Mechanical LLC
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Reviewed in April 2025
Perfect. Bruce terrific.on time, polite, hardworking and excellent problem solving. Delivery driver work hard to help pulll tank out and help put in new one. Jon communicated through out project .great company, fair price.
Water Heaters Now, Inc.
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Reviewed in April 2013
They were courteous, professional and did an excellent job. They took all the time needed to explain the operation of the new water tank. I would definitely use Huber's again.
Huber Plumbing Company
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Reviewed in January 2014
Great! They were in and out in under 2 hours and left the area clean. Would definitely recommend Huber for your plumbing project.
Huber Plumbing Company
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Reviewed in April 2017
Great. Friendly people, great service, timely and efficient. Very happy to work with them and plan on calling them again in the future.
Huber Plumbing Company
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Reviewed in April 2015
They were good. They did a nice job. We needed a shorter hot water heater than usual and they did a nice job and got that here without any extra delays or anything so that was very nice. They did exactly what they promised. It worked the first time. They were professional.
Huber Plumbing Company
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Reviewed in April 2015
Oh my gosh! This company could not be better in any way. They were on time, efficient and very helpful by teaching me about the features and how to care for a hot water heater. (Who knew you had to take care of one). There was no mess left either. One week later, I had my city inspection...
Huber Plumbing Company
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Reviewed in May 2014
Randy let me upgrade to higher efficiency water heater for $60 (hopefully I will get the rebate for $70 from CenterPoint). The price was the original Angie's List Deal price, the upgrade, and also included the required permit and a part to replace part of the gas connection for a part that was...
Huber Plumbing Company
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Reviewed in May 2014
Wished that the "deal" had given more details about efficiency. The installation itself was excellent.
Huber Plumbing Company
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Reviewed in May 2017
Randy was punctual, kind, and super knowledgeable. We so appreciated him taking the time to work through all of the plumbing peculiarities of the home, with price estimates, so we can figure out how to move forward. Highly recommend!
Huber Plumbing Company
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Find Water heater pros in Victoria

Dean's Home Services

6701 Parkway Cir #600

3.92(

)

•Approved Pro

Dean's Home Services

6701 Parkway Cir #600

3.92(

)

•Approved Pro

Customers say: Super punctual

436 local quotes requested

29 years of experience

Dean’s Home Services is a licensed and bonded professional service company with over 100 years of combined industry experience. We started in plumbing, but we have expanded our services to include heating, air conditioning, electrical, drains, and excavation. Dean’s Home Services has served Minneapolis, St. Paul, and the surrounding Twin Cities area for over 25 years. As Minnesota’s premier home service company, we pride ourselves on our fast, professional, clean, and friendly service. We specialize in plumbing, heating, air, electrical, drain, and duct cleaning. Offering over 100 years of combined industry experience, our service professionals can handle all of your home service needs. Dean’s only works with properly certified, experienced service professionals who understand what it’s like to be a Twin Cities homeowner. Dean’s Home Services is a female and minority-owned local business as well as an active member of the PHCC and Nexstar organizations. Dean’s Home Services takes pride in the fact that its business is family-owned and operated. We understand firsthand the importance of family and the need to maintain a safe environment for your loved ones. Call us today to meet our family! DEAN’S PROFESSIONALS: - Respect you, your home, and your time - Listen to ensure we understand your unique situation - Help you understand what options are available - Present you with a price before the work begins - Happily perform the work you choose

"Shane, the plumber, cleared the drain clog. He was friendly, on time, knowledgeable, and answered all my questions. Shane estimated it would take an hour and it took only about half an hour. I was then charged a ridiculous $830. I feel I was way overcharged and am not happy with this. I do not recommend Dean's Home Services."

Beverly J on August 2025

"Shane, the plumber, cleared the drain clog. He was friendly, on time, knowledgeable, and answered all my questions. Shane estimated it would take an hour and it took only about half an hour. I was then charged a ridiculous $830. I feel I was way overcharged and am not happy with this. I do not recommend Dean's Home Services."

Beverly J on August 2025

Randy's Electric & Plumbing

8557 Wyoming Ave N Ste 6

Randy's Electric & Plumbing

8557 Wyoming Ave N Ste 6

Customers say: Super punctual

777 local quotes requested

23 years of experience

You deserve a safe and reliable home. Get the job done right the first time with outstanding customer service from the Twin Cities top rated electrician. Outlets, fans, lighting, smoke detectors, switches, and service panels. Your full service electrician.

"I hired Randy’s to fix a recurring electrical issue that was cutting power to the upper floor of my home, and to install two new circuits, work completed over two visits about a week apart. The new circuits seem to work fine, but the original issue persists—despite spending over $5,000, including $1,000+ on diagnostics. The electrician spent about 45 minutes on the initial assessment, then replaced some wiring and breakers. The problem reoccurred before the second visit, which I reported by phone, but he was unaware of it when he arrived. He did minimal follow-up, blamed CFL bulbs, and later suggested the issue might be with outlet or switch connections—something I believe should have been checked from the start. The issue has since returned again, and after three follow-up calls in three days, I’ve received no response. On the positive side, the crew was professional, worked in a difficult attic space, and cleaned up well. Still, I expected better troubleshooting, communication, and post-service support for what I paid."

Edward M on September 2025

"I hired Randy’s to fix a recurring electrical issue that was cutting power to the upper floor of my home, and to install two new circuits, work completed over two visits about a week apart. The new circuits seem to work fine, but the original issue persists—despite spending over $5,000, including $1,000+ on diagnostics. The electrician spent about 45 minutes on the initial assessment, then replaced some wiring and breakers. The problem reoccurred before the second visit, which I reported by phone, but he was unaware of it when he arrived. He did minimal follow-up, blamed CFL bulbs, and later suggested the issue might be with outlet or switch connections—something I believe should have been checked from the start. The issue has since returned again, and after three follow-up calls in three days, I’ve received no response. On the positive side, the crew was professional, worked in a difficult attic space, and cleaned up well. Still, I expected better troubleshooting, communication, and post-service support for what I paid."

Edward M on September 2025

Finken Water

Finken Water

Customers say: Quick response

Recommended by 100% of Angi customers

87 local quotes requested

A happy, healthy family thrives with pure, chemical-free water and safely functioning plumbing and climate control systems at home and at work. Finken is made up of two sister companies Finken Water Solutions & Finken Plumbing, Heating & Cooling working side by side to bring you whole-home and office climate comfort and clean water solutions. Finken Water Solutions is your premium source for water treatment and bottled water for your family and co-workers — we even deliver coffee and water softener salt to your door! For problem water as simple as hard water to as complex as arsenic and nitrate tainting, Finken has chemical-free filtration solutions to purify even the nastiest water. We even offer financing and rental options so everyone has access to the purest water possible, straight out of their tap, for better drinking, cleaner laundry and squeaky clean skin and hair. When it comes to bottled beverages, Finken has you covered from our five kinds of bottled water to our 100+ varieties of brewed beverages. Finken Plumbing, Heating and Cooling is ready to tackle your home or commercial construction or remodeling projects and repairs. We work with the best builders in the business to create safe comfortable homes and working environments. From new construction to remodeling, cozy homes to comfortable apartments and office complexes, Finken is the go-to choice for plumbing, heating and cooling contracting. Got a serious plumbing or HVAC predicament? Finken is on call for you 24-hours a day. When your furnace, air conditioner or toilet is clinkin’ better think Finken!

"Finkens is amazing! They are easy to get a hold of, appointments are easy to schedule. Great softeners and maintenance! We've used Finkens for years and highly recommend their company!"

Nancy H on May 2020

"Finkens is amazing! They are easy to get a hold of, appointments are easy to schedule. Great softeners and maintenance! We've used Finkens for years and highly recommend their company!"

Nancy H on May 2020

Clean Drain LLC

Clean Drain LLC

Customers say: Quick response

Recommended by 100% of Angi customers

21 local quotes requested

We specialize in drain cleaning for clogged drains and sewer back ups. We offer video camera inspection, hydro jetting, line locating, and more! We strive to exceed expectations by delivering exceptional service, great quality work, and professionalism on every job. Read more below on all the services we offer and contact us with any questions or to schedule a free estimate today!

"It went great. He took the time to explain what he was found and how he was fixing it. The drain works great now. Thank you"

Jodee C on April 2025

"It went great. He took the time to explain what he was found and how he was fixing it. The drain works great now. Thank you"

Jodee C on April 2025

B & D Plumbing, Heating & A/C

B & D Plumbing, Heating & A/C

Customers say: Super punctual

Recommended by 92% of Angi customers

123 local quotes requested

Welcome to B & D Plumbing, where you are our #1 Priority! We are a family owned and operated business proudly serving the metro area since 1982. We are committed to your satisfaction. Our provide the highest quality products and services. Our knowledgeable and experienced staff are committed to meeting your needs. Join Our Home Care Club! We will provide routine maintenance of your equipment which yields the lowest overall operating costs while giving you, our customer, the highest probability of year round comfort. Our Maintenance Savings Plan Includes -Help your equipment last longer -Lower utility bills -Improve reliability -Extend equipment life -Improve Capacity -Improve Safety -Discounts on repairs -Professionally Trained Technicians -24 Hour Emergency Service Visit Our Showroom Or Call Us For More Information.

"I had my air conditioner cleaned and technician Eric B. was excellent! While waiting for my air conditioner to kick in he offered to fill my water softener with salt. I was so appreciative of this kind gesture and it reconfirmed why I chose to buy my new furnace and air conditioner from B&D!"

Joyce M on May 2025

"I had my air conditioner cleaned and technician Eric B. was excellent! While waiting for my air conditioner to kick in he offered to fill my water softener with salt. I was so appreciative of this kind gesture and it reconfirmed why I chose to buy my new furnace and air conditioner from B&D!"

Joyce M on May 2025

Water Heaters Now, Inc.

Water Heaters Now, Inc.

Customers say: Quality work

Recommended by 91% of Angi customers

61 local quotes requested

Water Heaters Now! WHN WE SPECIALIZE IN REPLACING WATER HEATERS THE SAME DAY WHILE REPAIRING WHENEVER POSSIBLE. WHN offers Made in USA Bradford White but deals in all major brands of tank style water heaters. We are also a Rinnai TANKLESS dealer. WHN is locally owned and operated. WHN has been in the water heater repair and replacement business for over 10 years. We offer free estimates usually within 15 minutes. If you order by 2 PM, your water heater will be replaced the same day. WHN has a better than average warranty of 3 years on labor and 6 years Tank and parts when compared to industry standard 1 year parts and labor. Call, text, or email for a free quote within 15 minutes.

"Perfect. Bruce terrific.on time, polite, hardworking and excellent problem solving. Delivery driver work hard to help pulll tank out and help put in new one. Jon communicated through out project .great company, fair price."

Paul T on April 2025

"Perfect. Bruce terrific.on time, polite, hardworking and excellent problem solving. Delivery driver work hard to help pulll tank out and help put in new one. Jon communicated through out project .great company, fair price."

Paul T on April 2025

Boevaag Plumbing

Boevaag Plumbing

Customers say: Super punctual

51 local quotes requested

20 years of experience

Boevaag plumbing is locally owned and operated We currently have two master plumbers and one apprentice plumber.

"I am a 76 year old woman who lives alone. I have three bathrooms in my home and called Boevaag Plumbing to repair one of the toilets. The service on August 22, 2024, was a replaced fill valve and flapper and the cost was $195.00. As long as the plumber was already onsite, I asked him to look at a second toilet that I thought might also needed a new fill valve and flapper. The plumber confirmed that was needed and asked if I wanted him to go ahead and do the repair. I asked him to do so. I naively did not ask what that additional repair would cost and assumed it wouldn't be another $195 as he was already on site. The plumber was very nice and left my home in clean condition. On completion of the second repair, I received a bill of $390! I was speechless and just wrote out a check. I wrestled for a couple of weeks with whether or not to call just to communicate my thoughts. I decided to write it off and never make the same mistake again. Shortly after the repair, the second toilet was giving me some problem. I called Boevaag and Jeff came out, at no charge. He found a piece of plastic in the new part that he thought was the culprit. A few weeks later the same issue presented. On December 5, 2024, I called Boevaag and told them the issue had not been resolved. Joe said he would get back to me. I called again on December 13, 2024 because I had not heard from Joe, left a message and Joe texted back, "Yes, you are on our list. With this cold weather we have been backed way up." With Christmas and the new year coming up, I chose to wait to hear back. Today is January 6, 2025. As I have not heard back, I called and talked to Joe. Joe assumed Jeff had followed up and resolved the issue. As that is not the case, I offered to accept a $150 refund and I would hire someone else to fix the problem. Joe said he would talk with Jeff to get the problem fixed and he hung up. I know plumbing repair is expensive and I may be wrong, but I feel, as an older single woman, I was taken advantage of. Joe has no customer service etiquette. He is rude and condescending. NO....I would definitely not recommend Boevaag Plumbing."

Marlene S on January 2025

Boevaag plumbing is locally owned and operated We currently have two master plumbers and one apprentice plumber.

"I am a 76 year old woman who lives alone. I have three bathrooms in my home and called Boevaag Plumbing to repair one of the toilets. The service on August 22, 2024, was a replaced fill valve and flapper and the cost was $195.00. As long as the plumber was already onsite, I asked him to look at a second toilet that I thought might also needed a new fill valve and flapper. The plumber confirmed that was needed and asked if I wanted him to go ahead and do the repair. I asked him to do so. I naively did not ask what that additional repair would cost and assumed it wouldn't be another $195 as he was already on site. The plumber was very nice and left my home in clean condition. On completion of the second repair, I received a bill of $390! I was speechless and just wrote out a check. I wrestled for a couple of weeks with whether or not to call just to communicate my thoughts. I decided to write it off and never make the same mistake again. Shortly after the repair, the second toilet was giving me some problem. I called Boevaag and Jeff came out, at no charge. He found a piece of plastic in the new part that he thought was the culprit. A few weeks later the same issue presented. On December 5, 2024, I called Boevaag and told them the issue had not been resolved. Joe said he would get back to me. I called again on December 13, 2024 because I had not heard from Joe, left a message and Joe texted back, "Yes, you are on our list. With this cold weather we have been backed way up." With Christmas and the new year coming up, I chose to wait to hear back. Today is January 6, 2025. As I have not heard back, I called and talked to Joe. Joe assumed Jeff had followed up and resolved the issue. As that is not the case, I offered to accept a $150 refund and I would hire someone else to fix the problem. Joe said he would talk with Jeff to get the problem fixed and he hung up. I know plumbing repair is expensive and I may be wrong, but I feel, as an older single woman, I was taken advantage of. Joe has no customer service etiquette. He is rude and condescending. NO....I would definitely not recommend Boevaag Plumbing."

Marlene S on January 2025

Roto-Rooter Plumbing & Water Cleanup

Roto-Rooter Plumbing & Water Cleanup

Customers say: Quick response

194 local quotes requested

90 years of experience

When you need an emergency plumber or a drain cleaner, call Roto-Rooter Plumbing & Water Cleanup. Your fast & reliable plumber can fix any plumbing problem, including sump pumps, toilet repair, faucet repair, faucet replacement, garbage disposals, water heaters, bathtubs, showers, and outside faucets. Roto-Rooter is best known for drain cleaning & sewer cleaning. We fix drain clogs, clogged toilets or sinks, blockage of main sewer lines, slow draining shower and bathtub drains, sewer lines and leaking or burst pipes. We also specialize in water damage restoration & water cleanup services. We can fix and clean up your flooded basement too. Roto-Rooter is a 24-hour plumber near you and provides emergency service.

"The plumber did a great job and came out within the hour. He gave me a quote after looking at the job and then when right to work."

Ernie P on January 2025

"The plumber did a great job and came out within the hour. He gave me a quote after looking at the job and then when right to work."

Ernie P on January 2025

Mike's Custom Mechanical

Mike's Custom Mechanical

Customers say: Terrific value

93 local quotes requested

22 years of experience

Specializing in all phases of residential heating, plumbing, and cooling services and repairs. We serve the Twin Cities Metro area residentially and we also do commercial business under the name Priority Air Mechanical. We guarantee your satisfaction, and we won’t leave until the job is done right. We pride ourselves on the quality work we provide, while delivering great customer service! Check out our services offered and call or click to schedule a free estimate today!

"Charged $1,000 for less than an hour of work with no material. I will NOT hire again."

Tim K on October 2024

"Charged $1,000 for less than an hour of work with no material. I will NOT hire again."

Tim K on October 2024

Aquarius Home Services

Aquarius Home Services

Customers say: Super punctual

Recommended by 91% of Angi customers

414 local quotes requested

Aquarius Home Services is the top home service provider in Minnesota and Wisconsin. Offering expert service in HVAC, Water Softeners, Plumbing and Electrical . Our work is backed by a 100% performance guarantee.

"Fast and efficient service next day. Estimate given up front and was spot on. Made sure things were working properly after leaking valve replaced. Tested water and secured unit under sink."

Greg W on August 2025

"Fast and efficient service next day. Estimate given up front and was spot on. Made sure things were working properly after leaking valve replaced. Tested water and secured unit under sink."

Greg W on August 2025

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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.

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.

Storage, tankless, heat pumps, and solar water heaters each suit specific space constraints, usage needs, and efficiency preferences.

If your gas water heater is over 20 years old, it should be replaced. Gas water heaters can last up to 12 years and while they can exceed this expectancy if well-maintained, a heater that's 20 years old would require replacement. The heater is unlikely to run as efficiently as a new model and could be more expensive to do so.

Standard electric water heaters (about 40 gallons) typically need a 30-amp circuit breaker. But if you have a newer model, a tankless water heater, or one that’s more energy efficient, you’ll likely need a higher amperage to power it.

Having the right size circuit breaker for your water heater is an important part of making sure it heats water efficiently and runs safely. A licensed electrician can help you navigate your options, and determine what you need for your new water heater.

By submitting this question, I acknowledge and agree that Angi may publicly display my name, city, state, and question on the website for professionals and others to see.

The Victoria, MN 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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•
May 1, 2025May 1, 2025
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