Is A Water Heater Covered By Home Insurance? 
Your water heater is part of your home , just like th rest of your plumbing system , so yes , it would be covered . What it is covered for depends on what type of coverage you have purchased . For example home insurance does n't pay for mechanical failure , so if it just quits working you do n't have a claim . If your water heater bursts , you may have coverage for water damage coming out of the water heater if you havea `` Special Form '' policy . If the house burns up and your water heater goes along with it , your insurance should pay for a home with a water heater . So you see it depends a lot . Email me with specifics at WEBSITELINK 