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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.

The chemicals in a water softener can wear down the anode rod in the heater and shorten its life span. However, for most people, the benefits of the softener outweigh this potential drawback.

Have a plumber inspect the anode rod annually for damage, as replacing the anode rod is far less expensive than replacing the entire water heater.

While a water heater explosion is rare, it is a serious danger. Be aware of these critical warning signs:

• Sulfur or Rotten Egg Smell: This is a major red flag, especially for gas water heaters. It can indicate a gas leak, which could ignite and cause an explosion.

• Leaking Pressure Valve: If the temperature and pressure (T&P) relief valve is leaking, it may not be able to properly regulate internal pressure, creating a risk of bursting.

• Shaking or Rumbling: Loud rumbling or shaking from the tank can be a sign of extreme pressure buildup.

• Excessive Heat: If the exterior of the water heater feels unusually hot to the touch, the unit may be overheating dangerously.

• Rust-Colored Water: This can be a symptom of severe internal corrosion that compromises the tank's integrity.

If you notice any of these signs, especially a gas smell, you must act immediately. Shut off the gas supply to the water heater and call a professional plumber right away to prevent a potential disaster.

Choosing between an electric water heater vs. a gas water heater comes down to personal preference. Overall, electric heaters are more energy efficient than their gas competitors. They’re also quieter to operate, take up less room, and don’t come with a risk of gas leaks. 

The downside is that electric water heaters cost more to operate than gas. They might also struggle to heat water fast enough for households that use large amounts of hot water. Lastly, a power outage could cause your electric water heater to stop working, whereas gas water heaters may still function.