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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.

When installing a new furnace, it's a good time to consider other projects that can enhance your home's energy efficiency. A great first step is to get a home energy audit, which will identify areas for improvement. Common recommendations include sealing or replacing windows and adding insulation to the attic. These upgrades can help you save money on monthly utility costs. You might also consider installing a smart thermostat to make heating your home more convenient and efficient.

Yes, most municipalities have codes that require water heaters to have pans. A pan is necessary when a water heater or hot water storage tank is installed in an area where water leakage could cause damage, such as an attic, second floor, or finished basement. Tankless water heaters are not required to have a pan since there is no storage tank.

Electric water heaters typically last 10 to 20 years, though proper maintenance can extend their lifespan. If your unit is over a decade old and showing signs of inefficiency—such as higher energy bills, frequent repairs, or leaks—replacement is a smart investment. Tankless models last over 20 years, which can make them a longer-lasting alternative to traditional tank water heaters.