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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.

Your water heater's age can affect your homeowners' insurance policy. Many policies will ask how old the heater is when you first apply for a policy—and they may make you replace a model that's over 10 years old. 

Even if your policy permits you to have an older heater, it may significantly reduce the amount of protection available. If an older water heater suddenly leaks and causes damage to parts of your home, your policy may not cover it.

A well-maintained hot water recirculating pump can last 5 to 15 years. Pumps that run continuously may have a shorter lifespan than demand-controlled models. Hard water can reduce longevity by causing mineral buildup in the pump and pipes. Regular maintenance, such as cleaning or replacing filters, can extend the pump’s lifespan.